Financial Lending Risk Specialist
5 days ago
We are looking for a skilled Credit Portfolio Manager to join our team at Kredivo Group. The successful candidate will play a crucial role in shaping and managing risk strategies and frameworks in Digital Financial Services. As a key member of our team, you will ensure alignment with the company's objectives, risk appetite, and regulatory compliance while leveraging data-driven insights to enhance portfolio performance, mitigate risks, and drive sustainable growth.
Main Responsibilities:
- Develop and implement robust risk management frameworks, KPIs, and reporting standards specific to financial lending products.
- Monitor credit risk metrics covering underwriting, fraud, and portfolio performance. Proactively identifying potential risks and designing effective mitigation strategies.
- Conduct in-depth data analysis to provide actionable insights and recommendations for improving portfolio quality.
- Participate in the implementation and maintenance of credit risk models, ensuring compliance with internal policies and regulatory requirements.
- Collaborate closely with cross-functional teams such as Collections, Product, and Data Science to create and refine cohesive risk management strategies and initiatives.
- Collect, interpret, and analyze risk data to support strategic decision-making and operational improvements.
Requirements:
- 5+ years of experience in credit risk management within financial lending, focusing on personal loans, credit card, SME loans, or other related lending products.
- Having managerial experience with a focus on collaboration and mentorship.
- Strong quantitative and analytical skills, with expertise in statistical analysis, credit risk modeling, and portfolio management.
- Working knowledge of SQL and proficiency in Excel are required. In addition, mastery in other database management software will be highly appreciated.
- Strong analytical skills as proven from previous projects.
- Proven ability to adapt and innovate in response to rapidly changing business environments.
- Excellent communication skills with the ability to present complex insights to both technical and non-technical stakeholders.
- A results-driven mindset, thriving in fast-paced and high-pressure environments.
- Fluency in English is a must.
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