Credit and Portfolio Risk Lead

The Credit & Portfolio Risk Lead plays a crucial role in steering the Credit Risk Analytics team towards
aligning with the company's business objectives within the financial service area. This leadership position
involves rigorous monitoring and assessment of the credit portfolio's health, executing portfolio stress
tests, and leveraging findings to refine and optimize credit strategies.

• Leadership and Strategic Direction: Providing guidance to the Credit Risk Analytics team to
  ensure their activities support the overarching business goals.
• Predictive Risk Model Oversight: Collaborating with the Data Team on the development,
  validation, and ongoing improvement of predictive models that assess and manage credit risk.
• Portfolio Monitoring: Ensuring the availability and adequacy of Credit Risk Portfolio monitoring
  points and continually evaluating the credit portfolio to proactively identify risk exposure and
  inform strategic decisions.
• Stress Testing and Strategy Optimization: Conducting detailed stress tests on the credit portfolio
  and using the insights gained to enhance credit strategies.
• IT Systems Management: Overseeing the IT infrastructure crucial to the Credit Risk team’s
  operations, ensuring reliability and effectiveness.
• Data & Analytics Championing: Advocating for and facilitating the use of data-driven decision-making
  within the Credit Risk team.
• Credit Fraud Mitigation: Offering strategic insights to improve the detection and prevention of
  credit fraud, thereby enhancing the Risk Engine's effectiveness.
• Process Improvements. Identify areas for process optimization and automation within the credit
  risk management framework to streamline operations and enhance efficiency.
  
  

Requirement:

• Bachelor’s degree or higher in Statistics, Mathematics, Finance, Economics, or a related
  quantitative field. Advanced degree or relevant certifications (e.g., CFA, FRM) preferred.
• Minimum 5 years of experience in credit risk management, portfolio risk management, or related
  fields within the financial services or fintech industry. Demonstrated leadership experience and
  expertise in risk modelling, stress testing, and portfolio management.
• Strong analytical and problem-solving skills, with proficiency in data analytics, statistical
  modelling, and risk assessment techniques. Proficiency in programming languages (e.g., Python, R)
  and data visualization tools preferred.
• Proven leadership and team management skills, with the ability to inspire and motivate crossfunctional
  teams to achieve common goals and objectives.
• Strategic mindset with the ability to think analytically and strategically, translating insights into
  actionable risk management strategies and initiatives.
  
• Excellent communication and interpersonal skills, with the ability to effectively communicate
  complex concepts and insights to stakeholders at all levels of the organization.
• Solid understanding of regulatory requirements and industry best practices related to credit risk
  management, portfolio management, and fraud detection/prevention.
• Strategic mindset with a focus on driving innovation and continuous improvement in credit risk
  management processes and methodologies.