Job Information

Job Description:

What you’ll be doing

  • Developing account level valuation frameworks to develop underwriting credit policies using NPV framework to optimise portfolio-level economic returns
  • Making data-driven decisions with a special focus on marginal decision-making
  • Managing credit limits, risk-based pricing, retention strategies, over-limit policies, etc.
  • Adjusting risk return requirements and managing/adjusting portfolio returns as new data comes to light
  • Supporting the annual budget, forecast, and planning processes, from assessment of market/industry trends through data gathering and analysis, initiative selection and assessment, preparation of the plan, from concept to delivery
  • Tracking, communicating, and drawing insights from performance of ongoing initiatives, while staying on top of all credit KPIs through intensive monitoring
  • Identifying operational inefficiencies and managing the implementation of small-scale change within the Credit function
  • Ensuring approval and good rating of first line credit risk function from second line, third line, and regulators

What you’ll need

  • A proven track record of managing the risk cycle for retail credit products like credit cards, unsecured personal loans, etc.
  • A bachelor’s degree from a top university in an quantitative/analytical field, such as engineering, statistics, physics, math, economics, or management
  • A solid understanding of credit policy governance frameworks to work through 2nd/3rd line of defence in a competent manner
  • To deliver excellent results that exceed requirements
  • To be forward-thinking to plan appropriately, meet multiple objectives, and proactively identify/resolve issues
  • A solid understanding of credit and behavioural scoring models, especially for retail credit products
  • The ability to explain complex concepts in a clear, simple manner
  • To understand the value of speed to market and balance between elegant problem-solving and business needs of the hour

Nice to have

  • A master’s degree
  • Excellent working knowledge of SQL, R, Python, and/or other data analysis tools
  • A willingness to learn new technology to help business scale

Experience Level: Junior/Associate
Work From: Remote from Region Lithuania

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