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