We’re looking for a candidate to fill this position in an exciting company.
You will be responsible for developing, managing and implementing policies and procedures to drive controlled and sustainable revenue for the retail bank, together with country risk and regional analytics teams.
You will be partnering with business units and broader credit departments to assess data & business partnerships, data sufficiency, and appropriate modelling approaches.
You will have the opportunity to bring in innovative ideas and challenge existing practices towards improving the precision of our risk assessments on the unsecured lending portfolio.
You will be part of a team which analyses and builds the financial models to predict credit risk exposures and assess growth opportunities for the bank while learning the best practices for portfolio growth and optimizing the credit risk in collaboration with markets / countries.
Analyse and manage the Risk Tolerance Metrics and Management Action Triggers.
Work with in-country credit risk teams to support business and to refine products by analysing target customer’s risk appetite.
Formulate credit strategy as per Risk Decision Framework (RDF) in order to reflect changes in risk-return dynamics.
Drive Credit Card and Personal Loan portfolio analysis and credit performance forecasts to ensure good portfolio growth.
At least 5 years’ work experience in Financial industry and knowledge of SAS programming/SAS EM is plus.
10 years of experience in Credit Risk Management, Retail Risk Management expertise.
Good knowledge about Unsecured products and policy and governance framework.
Strong working knowledge and understanding of risk analytics including Scorecards, Basel, Customer management & collections, Policies and Credit Initiation functions.
Good problem solving skills with ability to make independent decisions and up hold their decisions despite pressure from other stakeholders.