Senior Lead, Credit Risk Management

Job Purpose

•Develops and improves credit risk management policies (Credit Cards, Personal Loans, Merchant Acquiring, Corporate Cards) to support business goals and objectives

•Monitors the lending portfolio's (credit cards and unsecured loans) credit exposure by identifying early risk indicators and applying mitigating actions when necessary.

•Should be able to create, implement and administer credit risk strategies, policies and procedures and coordinate with stakeholders to ensure smooth implementation

•Contributes to the development of new techniques, processes, decision workflows, and support a digital on-boarding platform

•Manages credit costs, maximizing bureau tools and other alternative data for risk mitigation Utilize credit tools from external sources, factoring credit, fraud and regulatory requirements

•Responsible for generating cross-selling programs based on the defined criteria.

Job Requirements

•Graduate of a business course or business-related course

•Proven expertise in credit risk and portfolio management

•Knowledgeable on current banking laws and regulations, and bank lending policies

•With 4 to 8 years of solid experience in credit card or loans business specifically in areas of Credit Cycle and Risk Management, preferably in a leadership role