Key Accountabilities:
 

Credit Policy/Portfolio Management

 

• Establish, maintain credit policies, and procedures covering relevant aspects of credit risks and practices.
• Maintain a sound risk portfolio through implementation of prudent, commercially pragmatic credit policies, procedures.
• To track implementation of action plan for management decisions and measure as well as report their impact.
• To prepare update to Risk Management Committee with all risks related matters and Board of Directors on monthly basis

Decision Science Analysis

 

 

• Apply Innovative and scientific / Quantitative approaches to draw conclusions and make "insight to action” recommendation to answer business objectives and drive appropriate change.
• Should work on predictive models using various cutting edge techniques in Statistics, econometrics to forecast business volumes
• Develop predictive models and/or scores to support credit risk, collections, fraud and marketing decisions
• Create metrics to track and measure effectiveness of predictive models and maximize usage of the same for business growth

 

MIS and Analytics

• Work on SAS for various reporting as required by business.
• Develop MIS using multivariate and univariate variables.
• Develop multi-dimensional MIS to give multiple perspectives to the stakeholders.
• Ensure use of data mining, model building, and other analytical techniques to develop and maintain customer segmentation and predictive models to drive business.

Macro economy, competitor, market intelligence

• To prepare update to Risk Management Committee about macro economy, competitor and market intelligence

• To monitor and provide input to head of risk about possible change of credit policy modification for incoming market/competition/regulation changes

Requirement:

 

• University Graduate, major in Statistics, Math or Business Administration

• Minimum of 8-10 years experience within a Banking or Consumer Finance environment with quantitative analysis background

• Exposure to credit and risk techniques, quantitative analysis, strong at numerical skills, Consumer Lending operations; collection management and Performance Management
• Analytical, Communication, Team Management, Leadership
• Good computer usage
• Competent in English communication skills
• Exposure to credit and risk techniques, quantitative analysis, strong at numerical skills.
• Should be acquainted with Fraud management.
• Understanding of Finance Statement, fluent both spoken and written English