Credit Analytics Manager

What you’ll be doing:

• Managing portfolios within risk appetite
• Optimising credit strategies on an ongoing basis (new originations, existing customer management, arrears management) to maximise portfolio risk-adjusted returns
• Supporting the development of credit strategies to launch new products, conducting in-market tests to define product market and customer segments
• Forecasting and gathering external data
• Improving automated credit decisioning capabilities
• Designing, deploying, and analysing champion-challenger strategies across the credit lifecycle
• Building and deploying analytical tools for local credit teams
• Ensuring approval and good rating of first line credit risk function from second line, third line, and regulators
• Selecting and onboarding new data suppliers

What you'll need:

• Proven experience in credit risk management of retail credit portfolios, including credit origination, credit limit management, risk based pricing, retention strategies, etc.
• Strong experience in making data-driven decisions
• Proven experience working with large datasets using Python (Pandas), SQL, SAS, or other data packages
• Good knowledge of Python (Pandas) or a strong willingness to learn
• A bachelor's degree (or higher) in a quantitative/analytical subject like maths, engineering, physics, or computer science from a top university
• The ability to extract the essence from complex matters and explain it simply
• A solid understanding of credit policy and governance framework, and the ability to work through the 2nd/3rd line of defence in a competent manner
• To strive for excellent results which exceed requirements
• A proactive mindset focussed on inter-dependencies to identify and resolve issues
• An understanding of the value of speed to market and ability to balance between elegant problem-solving and business needs
• An understanding of credit scoring models for retail credit products