As a Portfolio Retail Credit Risk Sr. Analyst, your responsibilities will be:
Retail Risk management enhancement of Local Units in Consumer Lending products.
Provide support Credit Risk management transformation in all aspects around Consumer Lending, admission (new Data and Decision Models and Channels), customer management, and portfolio strategy growth.
Participation in Global Projects with particular focus on Consumer Lending: decision model developments, innovation channels, new products, global agreements, portfolio sales, and acquisition.
Acting as a Consumer Lending Risk counterpart in HQ, coordinating with Commercial HQ / CRM / Finance, etc., when apply.
Prepare Retail Risk Forum Material including relevant issues for escalation with particular focus on Unsecured Financing products.
Monitoring the Local execution of the credit risk management according to corporate criteria, operational models, and risk management.
Perform Unit analysis and management integration with budgets/targets.
Identify strengths and weaknesses of units' capacities in his scope for retail portfolios management.
Coordinate Corporate Policies implementation with particular focus on Unsecured Financing products.
Increase predictability and transparency of the Credit Risk Portfolios.
EXPERIENCE
+4 years of experience in Retail Risk management, with strong experience in Consumer Finance with focusing on Unsecured Financing products (Cash Loan, Sales finance, Invoicing, and Revolving).
Proven experience in Scorecards, Decision Models/Strategies, and decision processes for Consumer Financing products through different channels: Branches, Brokers, digital lending, On-line Sales platforms, Portals, Banks’ cooperations, etc.)
Deep knowledge and understanding of risks metrics regarding Retail products (including but not limited to: Data sources, Scorecards, Admission Process, Portfolio management, Provision, Budget, etc.) with particular focus on Unsecured Financing products (Cash Loan, Sales finance, Invoicing, and Revolving).
Good capacity for planning and managing priorities.
Good management skills to deal with HQ team and Local counterparties.