Credit Risk Manager

Main responsibilities:

• Develop and implement
  credit risk policies and strategies SME lending portfolio.
• Monitor and analyze the credit portfolio performance, identifying
  potential risks and opportunities for improvement.
• Stay abreast of industry trends, regulatory changes, and best
  practices in credit risk management to enhance the bank's risk management
  framework.
• Collaborate with cross-functional teams, including data scientists
  and underwriters, to optimize risk decisioning and scoring model
  performance.
• Conduct comprehensive risk assessments and credit analysis for
  loan applications, ensuring adherence to risk standards and guidelines.
• Work with the team of IT business analysts and developers to
  implement relevant changes in product, decision strategy and scoring in
  relevant loan origination software and decision engine
• Responsible for credit application approval rate and all relevant
  portfolio risk metrics (PAR, COR, NPL, etc.)
• Be involved in budgeting and plan achievement of all relevant
  portfolio risk metrics
• Conduct periodic stress tests and scenario analyses to assess the
  portfolio's resilience to economic changes.
• Continuous search and analysis of alternative data sources for
  scoring model and decision making optimization
• Contribute to the effective management of all credit risk related
  issues and opportunities and maintain effective working relationships
  with team members, other colleagues, and customers.
• Provide insightful risk
  reports and recommendations to senior management and contribute to
  strategic decision-making.

Main requirements:

• Bachelor’s/University
  degree, Master’s degree preferred.
• 2-3 years of analytical experience; Preferably in SME lending.
• Working knowledge of Bank operating systems, lines of business,
  products will be an advantage.
• Strong
  data skills: highly proficient in
  Excel, competence in SQL select methods. Knowledge of Python (Pandas)
  will be an advantage.

Skills:

• Excellent analytical,
  verbal and written communication, exceptional interpersonal, and
  relationship building skills with business stakeholders.
• Strategic thinker with the ability to review a situation from
  varied perspectives as well as a willingness to make judgment calls and
  decisions based on experience and reasonableness tests.
• Strong organizational skills and detail-oriented
• Ability to streamline complex processes
• Ability to meet strict deadlines with excellent follow-up skills
• Comfortable with a “hands-on” approach and balancing multiple,
  competing priorities and changes in scope/direction, all with a high
  sense of urgency and positive “can-do” attitude
• Ability to work in a
  fast-paced environment and adapt to change very quickly with minimal
  supervision