Responsibilities
Manage the overall credit portfolio analysis, focusing on performance metrics, and risk factors.
Develop and implement portfolio monitoring framework and reporting systems.
Conduct deep-dive analysis into credit performance, identifying trends, risk, and opportunities.
Provide recommendations for portfolio optimization and risk mitigation strategies via credit policies.
Work closely with the Risk Management team to ensure alignment with credit policy, and business strategy.
Work closely with the Marketing Division in the event of collaboration to ensure preserve risk appetite in marketing activities.
Prepare detailed reports, and presentation for Team Head, and regulatory bodies Support the development of credit policies, and review criteria based on portfolio performance.
Collaborate with other teams to enhance credit processes and systems.
Qualifications
Bachelor’s degree in finance, Economics, Business or related field: MBA or master’s degree.
More than 7 years of experience mainly in Personal loan, Unsecured loan, Non-Bank, Banking industry with credit risk, portfolio analysis, or related roles.
Thorough understanding of risk management practices and financial regulations.
Basic user in data analysis (i.e. MS office, SQL, Python, etc.).
Excellent problem-solving and communication skills Leadership and team management experience.