Head of Credit Risk
Responsibilities:
* Implement the credit risk management framework including ongoing identification, assessment, monitoring and reporting of key credit risk exposure
* Conduct portfolio data analysis on post lending accounts to identify the associated credit risks and problems and make appropriate recommendations on risk mitigation
* Monitor the performance of loan portfolios to ensure they comply with the credit risk strategies, policies and manuals
* Solicit and analyze market-related information on the practice or trend of consumer and SME lending risk management, and make recommendations to Senior Management for procedural reviews
* Review and validate credit decision process and credit modelling, and identify areas for improvements
* Work closely with business teams, product team, data scientists to drive various initiatives to achieve business needs within risk appetite
Qualifications:
* Bachelor or above degree with major in Mathematics, Statistic, Information System, or Financial Engineering or etc.
* Minimum 8 years of relevant experiences in retail credit business including consumer lending or micro-SME lending in the banking or financial industry.
* Minimum 3 years of Brazil Local experience required minimum 3 years of Brazil Local experience required
* Self-initiated and innovative, excellent analytical skill and ability to handle multi-tasks under a tight schedule.
* Proficient in both Portuguese and English required in a multi-national work environment
* Familiar with local regulatory requirements, and experience working with local regulators a plus
* Proficient in computer applications (MS Word, Excel, PowerPoint, SQL, data analytics tools, etc)
* Preferably with either CFA or FRM certification
* Brazilian preferred and the local residence is required