Credit Risk Manager
Inizio Partners
About the job Credit Risk Manager
About the Role
- Contribute to development and validation of underwriting models, including data preparation, feature engineering, and performance benchmarking.
- Support policy design for credit, fraud, pricing, and digital pre-qualification strategies.
- Work on line assignment and credit line increase strategies, optimizing risk/return tradeoffs and supporting income capture initiatives.
- Assist in graduation and product upgrade strategies for profitable base (like engaged, low-risk customers).
- Support the design of risk appetite frameworks, concentration limits, and program guardrails.
- Help establish reporting, monitoring dashboards, success metrics, and participate in industry benchmarking.
- Collaborate with cross-functional teams to ensure strategies are aligned with business goals, compliant with policies, and scalable.
- Drive innovation by testing new data sources, exploring A/B testing approaches, and refining strategies through continuous learning.
- Bachelors degree in Business, Finance, Statistics, Mathematics, Engineering, or related field; Masters preferred.
- 5+ years of experience in credit risk analytics, modeling, or strategy within banking, fintech, or consulting.
- Strong knowledge of the credit lifecycle (underwriting, line assignment, CLI, monitoring, risk appetite).
- Proficiency in SQL and SAS; exposure to Python /Tableau or other analytical tools is a plus.
- Experience with statistical modeling, segmentation, regression, and hyperparameter optimization.
- Knowledge of model governance, regulatory guidelines and designing risk appetite framework.
- Strong analytical problem-solving skills with ability to translate insights into actionable strategies with excellent communication and presentation skills.
- Ability to work in fast-paced environments, manage multiple priorities, and collaborate across teams.
Vacancy posted 1 day ago
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