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
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To prepare update to Risk Management Committee about macro economy, competitor and market intelligence
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To monitor and provide input to head of risk about possible change of credit policy modification for incoming market/competition/regulation changes
Requirement:
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University Graduate, major in Statistics, Math or Business Administration
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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