Roles & Responsibilities:
o Initiate, develop, and implements appropriate lending policies and procedures
o Create the credit risk framework from scratch for retail loan portfolio
o Modelling in R/Python to develop PD models with skewed data
o Using SQL and excel for data extraction and analysis
o Monitor and manage the overall credit risk
o Oversee and provide active management of the FLOOSS credit analysis function
o Ensure maintenance of credit standards
o Assist in determining the adequacy of the allowance for loan losses
o Primary liaison to examiners, loan review, and external auditors
o Building up ofsector/industry wise specialiststo forecastthe economic climates, identify niche areas for credit
growth, risk mitigation etc.
o Maintain high quality credit portfolio in diversified sectors and customer segments along with commensurate
risk-based returns.
o Take lead in bringing process changes for faster delivery and customer delight
o Work with data scientists on building new score models, and customer profiles.
o Build collection models and algorithms that identify customer paying patterns
o Build credit risk models and experiments on the machine learning and AI platforms.
o Build macroeconomic impact to loan portfolio and customer behaviour.
o Overseeing the collection, storage, management, quality and protection of data.
o Implementing data privacy policies and complying with data protection regulations.
o Support Senior Management with consumer risk reporting needs
o Ensure effective design and oversight of the consumer quality function; identify the scope and prioritize local
quality control resources
Qualifications & Skills:
• Bachelor’s degree in information system or related field
• 5 - 10 years’ experience in banking /financial sector with expertise in credit delivery/ underwriting of Corporate,
SME & Retail
• Handon experience in credit model creation in ML
• 5 to 10 years of experience in credit lending organization with expertise in model based underwriting.
• Experience of working in a financial services sector consumer loans and microloans
• Machine learning and AI system hands-on experience
• Hands on experience in R/Python, Advanced excel,
• Hands on experience in data extraction using SQL
• Knowledge of a variety of reporting procedures, regulations and law
• Planning and Time Management
• Effective Communication and Human Relations skills
• Strong Analytical Skills and decision-making skills
• Knowledge of relevant applications, big data solutions, and tools.
We’re about partnerships! At Career Maker, our aim is changing lives for the better by connecting talent with opportunity. We offer specialised recruitment services spanning across a range of industries with a culture that is focused on exceptional customer service. We are eager to get to know you and your company because that’s how we form real partnerships: partnerships that change lives.
اطلب مساعدة الخبراء لكتابة سيرة ذاتية مميزة.
