Lead Credit Manager

What You'll Be Doing

• Developing account-level valuation and credit underwriting policies using NPV frameworks to improve portfolio-level economic returns
• Making data-driven decisions with a special focus on marginal decision-making
• Managing credit limits, risk-based pricing, retention strategies, over-limit policies, etc.
• Adjusting risk return requirements and managing/adjusting portfolio returns as new data comes to light
• Supporting the annual budget, forecast, and planning processes, from concept to delivery
• Tracking, communicating, and drawing insights from performance of ongoing initiatives, while staying on top of credit KPIs through intensive monitoring
• Identifying operational inefficiencies, and managing the implementation of small-scale change within the Credit team
• Ensuring approval and good rating of first-line credit risk function from second line, third line, and regulators

What You'll Need

• Experience managing the risk cycle for retail credit products, like credit cards, unsecured personal loans, etc.
• A bachelor's degree from a top university in an quantitative/analytical field, such as engineering, statistics, physics, maths, economics, or management
• A solid understanding of credit policy governance frameworks to work through 2nd/3rd line of defence in a competent manner
• A track record of delivering excellent results that exceed requirements
• To be forward-thinking to plan appropriately, meet multiple objectives, and proactively identify/resolve issues
• Knowledge of credit and behavioural scoring models, especially for retail credit products
• The ability to explain complex concepts in a clear, simple manner
• To understand the value of speed to market and balance between elegant problem-solving and business needs