- 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.
- 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.
- 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
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