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3 weeks ago

Job Summary

We’re looking for a Credit Manager who’ll provide analytic services to credit teams around the world. This is the chance to get your foot in the door early and leave your mark on the team as one of our first hires in this area Your stakeholders and crew aboard this rocket ship will be the Heads of Credit, the policy team, and the modelling experts to craft the best credit products in the fintech business

  • Minimum Qualification: Degree
  • Experience Level: Mid level
  • Experience Length: 3 years

Job Description/Requirements

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


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