з/п не указана
Москва
Более 6 лет
Relocation package to Dubai
Hybrid setup: partly Dubai, partly Islamabad
Responsibilities:
● Develop risk policy rules and methodology for their implementation
● Define the credit risk management strategy aligned with the company’s business objectives and growth plans.
● Develop and implement credit risk policies, procedures, and standards to assess and manage borrower risk.
● Establish criteria for credit approval, portfolio segmentation, and exposure limits.
● Oversee the evaluation of creditworthiness using advanced models and tools.
● Manage the underwriting process to ensure sound lending decisions while balancing growth and risk.
● Monitor the performance of the credit portfolio, identifying trends and emerging risks.
● Implement strategies to optimize portfolio health, including diversification and risk mitigation.
● Utilize data analytics, AI, and machine learning to develop credit scoring models and risk prediction tools.
● Continuously enhance risk models to improve accuracy and reliability.
● Develop and execute strategies to reduce delinquency, defaults, and non-performing loans (NPLs).
● Collaborate with collections teams to design effective recovery frameworks.
● Regularly present credit risk insights, portfolio performance metrics, and key risk indicators (KRIs) to the executive team and board.
● Provide early warning signals and actionable recommendations to mitigate potential risks.
● Track and report on metrics such as delinquency rates, loss given default (LGD), and probability of default (PD).
● Assess the impact of macroeconomic trends on credit risk exposure.
● Testing and integration with third party services (new data-sources).
Required Experience and Skills:
● Higher Degree in Economics / Maths / IT in Maths education.
● Work experience in portfolio risk-management (banks, MFIs) of Credit cards, EMI cards, Personal loans Consumer durable loans (either of).
● Extensive experience with credit risk frameworks, underwriting processes, and portfolio management.
● Familiarity with managing credit risk in both secured and unsecured lending environments
● Hands-on experience with risk modeling, credit scoring, and leveraging alternative data sources for decision-making.
● Expertise in using analytics tools and frameworks for monitoring portfolio performance and credit risk indicators.
● Proficiency in risk modeling and statistical tools (e.g., Python, R, SAS, SQL).
● Experience with BI tools for reporting and analysis (e.g., Tableau, Power BI).
● Strong background in lending products such as personal loans, BNPL (Buy Now, Pay Later), credit cards, or SME financing.
● Proven track record of building and leading credit risk teams.
● Strong analytical and reporting skills.
● Ability to deliver results both working independently and as part of a team.
● Agile communication skills.
● Excellent written and verbal communication skills (English)
