Assistant Manager / Manager Credit Risk

• Lead Risk Initiatives

  : Lead a dynamic team to deliver impactful credit risk solutions across underwriting, exposure controls, and line management.

• Cross-Functional Collaboration

  : Work with product management, data science, and engineering teams to drive the implementation of risk strategies and build strong stakeholder relationships.

• Project Delivery

  : Manage tight timelines and ensure timely delivery of risk-related projects and initiatives.

• Data Integration

  : Identify, evaluate, and recommend new data sources that enhance risk differentiation and decision-making capabilities.

• Loss Trend Analysis

  : Analyze loss trends and simulate decisioning strategies to optimize revenue, approval rates, and portfolio performance.

• Model Strategy Alignment

  : Collaborate with data science teams to influence credit risk decisioning strategies and model deployment approaches.

• Scorecard Development

  : Build and maintain risk scorecards using internal and external data for both underwriting and account management reviews.

• Executive Communication

  : Prepare presentations and reports to communicate risk strategies and insights to leadership teams.

Required Qualifications

• Educational Background

  : Bachelor's or Master's degree in Engineering, Statistics, Mathematics, Economics, Business, or a related quantitative discipline.

• Technical Experience

  : 5+ years of experience in data analysis, with strong proficiency in SQL, and experience using tools such as Python, R, and Databricks in financial or analytical contexts.

• Team Leadership

  : Minimum of 2 years of experience leading a high-performing team of analysts.

• Analytical Thinking

  : Strong problem-solving skills, attention to detail, and the ability to work with complex datasets.

• Stakeholder Engagement

  : Excellent communication and interpersonal skills to work effectively with cross-functional teams and senior stakeholders.

• Agility

  : Proven ability to work in fast-paced, ambiguous environments with a proactive mindset.

• Reporting and Communication

  : Strong skills in building executive presentations and reports to articulate strategy and performance.

Preferred Qualifications

• Non-Traditional Data

  : Experience working with alternative data sources such as social media or behavioral data.

• Modeling Experience

  : Prior experience with credit risk model development is a plus.

• Proactive Risk Management

  : Demonstrated ability to raise flags and keep teams informed of evolving risk or fraud-related issues.