Credit Risk Officer
Descrição da Vaga
The Credit Risk Officer is a critical guardian of our digital bank’s financial health. This role is responsible for developing, implementing, and monitoring credit risk strategies for our digital lending products. You will leverage data analytics, automated scoring models, and digital customer insights to make sound credit decisions, optimize portfolios, and minimize losses—all while ensuring a seamless and responsible customer experience in a fast-paced, digital environment. The ideal candidate is analytically sharp, tech-savvy, and passionate about using data to drive safe growth in a modern banking landscape.
Responsabilidades
- Portfolio Risk Management: Actively monitor the digital loan portfolio’s performance, identify early warning trends, and conduct deep-dive analyses to recommend proactive risk-mitigating actions
- Credit Policy & Process Enhancement: Develop, refine, and enforce credit policies, procedures, and underwriting criteria tailored for digital products. Continuously seek to optimize the balance between risk, customer experience, and automation
- Data-Driven Analysis & Model Oversight: Utilize statistical tools and digital data sources to analyze applicant behavior, transaction patterns, and alternative data. Support the validation and monitoring of automated credit scoring models and decision engines
- Credit Decisioning & Approval: Review and approve (or escalate) credit applications that fall outside automated system parameters, ensuring a consistent and justified risk-based approach for both new customers and existing client limit increases
- Collections Strategy Collaboration: Work closely with the collections/recoveries team to define strategies for different delinquency stages, analyze collection effectiveness, and provide insights to improve recovery rates on digital portfolios.
Qualificações
- Minimum of 3 years of experience in banks or microbanks
- Experience in scoring, risk analysis, credit approval and collections
- Mandatory Experience in Banking or Microbanking.
Habilidades e Experiência
- Analysis and planning
- Organization
- Good communication
- Integrity
- Ability to work under pressure.
HOW TO APPLY
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