Measuring & assessing portfolio quality. Reviewing and enhancing lending policies based on portfolio quality trend and market situation to ensure a sound risk portfolio and competitiveness
Deploy and maintain credit risk reporting system and enhance changes to the existing infrastructure to optimize reporting process.
Perform standard risk report (Portfolio Quality Reviews, Delinquency, …) and detailed ad-hoc analysis if required.
Analyzing credit portfolio performance for the purpose of further enhancing the credit policy, cooperate with Policy team in implementation and evaluation risk policies.
Support the team in implementing credit risk strategy and scoring models to a Risk Decision Engine.
Cooperate actively on technical level with IT and data warehouse teams.
Job Requirement
Education level, certification:
Bachelor or higher graduated in Economics, Finance – Banking, IT (computer science, data science, etc.)
Strong knowledge of how to build and work with relational database (SQL, SAS, Oracle, etc.)
Proficient in use of visualization tools.
Experience:
Min 2 years of experience in MIS team or IT in an institution maintaining retail customer data.
Experience of risk management practices within the Banking/Consumer finance industry and familiarity with credit risk exposure calculation methodologies & tools would be desirable but not essential.
Individual Characteristics:
Excellent problem solving and quantitative skills
Ability to write and think clearly and to reduce complex concepts to their simplest form.
