Credit Risk Specialist

As a Credit Risk Specialist you'd be able to work on and solve many interesting challenges which we are facing, learn new ways of working, and help build delightful high-quality products for our customers.   

 

Job Description  

To design and build Credit risk management solutions and strategies for entire customer lifecycle, i.e., Originations, Portfolio Management and Collections, for Retail Assets, leveraging data and analytics outcomes. 

  

The Role Responsibility:  

• Analyse diverse data required to develop risk strategies for the Bank 

• Undertake credit and fraud risk strategy design and development on lending propositions, with focus on high quality, delivery within agreed timelines and alignment with approved credit policy 

• Design, develop and implement data-driven risk strategies (cut-off setting, indebtedness checks, loan amount assignment, risk-based-pricing) for lending products using traditional, and non-traditional data  

• Decipher and incorporate local regulatory requirement related to unsecured lending in the credit risk strategy 

• Ensure new origination, portfolio and collections performance meets defined key performance indicators and within the defined risk appetite and ensure consistent application and enforcement of risk policies 

• Ensure that risk strategies are accurately tested and continually benchmarked with the help of advanced data analytics 

• Work independently with various stakeholders such as Product, Technology, Data Engineering, Analytics, etc. to align with business goals 

• Lead the effort on documentation and adhering to risk approval process related to risk strategy design and development 

 

Role Specific Technical Competencies: 
 

Skill	Target proficiency level
Retail Lending Product/Business Knowledge	Core
Full-cycle Credit Risk Management Principles	Core
Data Manipulation and Credit Risk Metrics	Advanced
Data-driven Strategy Formulation and Analytics	Advanced
Local Regulations governing Retail Lending and Credit Risk	Core

    

 

Our Ideal Candidate:  

• At least 7 years of relevant experience  

• Good judgement and clear thinking in solving business problems 

• In depth understanding of local regulation related to unsecured lending. 

• Strong analytical ability, with technical competency to deliver industry standard outputs 

• Sound knowledge of Credit Risk, with ability to perform related data analysis for strategy development, customer segmentation, and/or credit policy formulation 

• Solid experience in credit risk modelling, including PD, LGD, and EAD frameworks.  Proven track record in applying credit risk model, and/or model implementation and validation 

• Good understanding in latest developments in Artificial Intelligence and Machine Learning models preferably in the context of retail credit risk 

• Strong interpersonal skills with the ability to engage and influence multiple stakeholder and drive decisions 

• Strong Communication (written and oral) and presentation skills. 

• Self-starter, motivated, curious, and energetic to grow with the Bank.