Credit and Portfolio Risk Senior Lead

About the team

This position is to lead the Credit Portfolio Risk management and handle the team to help the Head of Portfolio Risk analyze the portfolio risk, manage the portfolio quality, and ensure all processes are properly managed.

Job Description

1. Review and analyze credit portfolio quality to meet the risk appetite and company goals.
2. Develop and build new policies or revamp existing policies to align with the portfolio growth and quality, and ensure alignment with company policies and regulatory standards.
3. Monitor business performance to achieve business targets and company profitability. Ensure the business process is properly manageable and in line with credit underwriting criteria.
4. Manage risks related to credit risk review, internal process review, underwriting end-to-end process review, credit system and database analytics, and credit portfolio management and monitoring.
5. Lead the portfolio management team to achieve management expectations regarding NPL ratios.

Requirements

1. Experience in Credit Risk and portfolio management in banking, P2P, or financial industries for at least 3 years is advantageous.
2. Knowledge of the credit underwriting process and credit decision-making.
3. Experience with credit systems and databases to monitor and manage credit portfolios.
4. Proficiency in Ms. SQL, Ms. Excel or Google Sheets, Amazon Redshift, or other query languages.
5. Able to work independently or as part of a team.