Credit Risk Portfolio Manager at CredPal

Purpose Statement

• We are seeking an experienced Credit Risk Portfolio Manager to lead and optimize our credit portfolio.
• In this role, you will be responsible for managing and growing the portfolio, ensuring sound credit risk management, and maximizing profitability. Join our team and drive the success of our credit operations.

Responsibilities

• Credit Portfolio Management: Oversee the credit portfolios performance, risk assessment, and growth.
• Lending Strategy Development: Develop methodologies for credit portfolio management and risk mitigation.
• Fraud Mitigation: Institute, lead, and deliver credit card fraud mitigation strategies.
• Fraud Detection Solutions: Pre-empt fraud detection challenges and provide analytical/modeling solutions.
• Risk Segmentation: Utilize customer data to build risk segmentation and mitigation strategies.
• Policy and Procedure Oversight: Establish and monitor policies and procedures to achieve sales and risk management goals.
• Bad Debt Reduction: Monitor and assess active accounts to reduce or prevent bad debt losses.
• Issue Resolution: Actively support efforts to identify and coordinate resolution of credit risk-related issues.
• Project Management: Serve as Credit Risk PMO to ensure the timely execution of key projects and initiatives, including reporting and resource management.

Requirements

• Bachelors degree in finance, economics, business, or a related field; advanced degree preferred.
• Minimum of 5 years of proven experience in credit portfolio management or a related role in the financial/FinTech industry.
• Strong proficiency in data analytics tools (Power BI, Excel, SQL) and hands-on knowledge in Python Programming language will be an added advantage.
• In-depth knowledge of credit risk management, underwriting, and portfolio optimization.
• Familiarity with credit risk modeling and financial data analytics.
• Excellent problem-solving and critical thinking skills.
• Strong communication and interpersonal skills for team collaboration and client interactions.
• Attention to detail and the ability to work in a fast-paced, dynamic environment.
• Knowledge of industry regulations and compliance standards related to credit portfolio management.

Benefits

• Professional development opportunities.
• A collaborative and inclusive work culture that fosters growth and innovation.
• Opportunity to work with cutting-edge products and technologies.
• Supportive and approachable management team dedicated to your success.