Credit Portfolio Manager

The ideal candidate will work closely with internal partners to develop a robust portfolio management framework and a comprehensive credit & fraud risk management infrastructure for the Digital Bank. You will be responsible for defining the credit & portfolio management strategy, focusing primarily on Consumer products, Merchant lending, and SME lending portfolios. Additionally, you will establish credit risk appetite and thresholds for the product portfolios. Your role will involve developing a comprehensive process to build credit portfolio monitoring and control systems to assess, identify, and reduce credit risk while optimizing portfolio returns. You will also be expected to conduct real-time industry research with team reports to identify and analyze emerging trends and review and approve relevant policies related to various regulations and emerging trends. To be considered for this position, you should possess a Bachelor's degree in Computer Science/Statistics/Data Science or related programs; an MBA or Postgraduate degree in a similar field is a plus. You must have at least 8+ years of experience in credit, with exposure to merchant lending being an added advantage. Strong quantitative skills with a background in credit scoring, credit strategy, and the overall credit cycle are essential. You should also have a solid background in Credit Loss Forecasting and be conversant with scoring & impairment forecasting models. Proficiency in using statistical programming languages such as SQL and Python is required for this role. Experience in utilizing traditional and alternate data to drive credit strategies will be beneficial.,