Risk Management Officer at 4 Quarters Consultants Limited

Role Summary

• Risk Management, Loan Product & Pricing Analyst

Responsibilities

• Manage large portfolios of micro-loans through financial and mathematical models.
• Interaction with Mobile Network Operators and Financial Institutions for service optimization and management
• Clear and accurate reporting to all stakeholders throughout the service life-cycle monitoring performance against targets.
• Deploy advanced credit risk models and algorithms.
• Analyze large data volumes to identify credit risk factors.
• Have a complete understanding of all the inputs needed to cost and mark up a product and how to marry them with the company’s desired margins and consumers’ willingness to pay.
• Within B2B and/or service-selling positions, the professional may also be deployed dynamically within the negotiation of contracts.
• Consults about company’s lending needs to help them achieve their financial goals, including the collection and analysis of information about the financial situation.
• Develops loan applications by evaluating applicant information and documentation.
• Evaluates loan applications and documentation by informing applicant of additional requirements.
• Schedules and tracks closing dates, contingency dates, and loan lock expirations.
• Rejects loans by explaining deficiencies to applicants.
• Develop strategies for credit risk management and revenue maximization.
• Conduct advanced risk analytics.

Required Experience & Qualifications

• B.Sc and M.Sc in Mathematical Sciences, Computer Science, Finance or Business from an accredited institution.
• Minimum of 3 years' experience in a related role (e.g. credit risk analyst/manager, Loan Product Manager).
• Hands-on experience in the following (with descending significance):
• Credit risk management
• Loan Product & Pricing
• Risk analytics
• Strong analytical skills.
• Ability to set-up, organize and monitor pilots for testing and comparing risk models
• Strong interpersonal and communication skills.
• Ability to hit tight deadlines and work under pressure and strict attention to detail.
• Excellent judgment and problem-solving skills.
• Experience in and ability to gain risk insights analyzing large volumes of data.