Challenges that await you:
- Ensure the bank's retail credit portfolio fits its business model, takes the right level of risk, and earns an appropriate return
- Provide independent oversight and challenge to Product and Underwriting teams on portfolio strategy, risk selection, and pricing
- Monitor portfolio performance and competitors, and recommend changes to improve the balance between risk, return, and capital use
- Calculate and monitor credit loss provisions
- Help optimize the capital consumed by the portfolio
- Strong understanding of retail credit risk, portfolio management, and credit risk strategies
- Knowledge of credit loss provisioning under IFRS and US GAAP
- Understanding of how banks operate, capital adequacy, and credit risk RWA calculations
- Ability to assess and improve portfolio performance through risk, return, pricing, and capital use
- Ability to challenge business and underwriting decisions and turn analysis into practical recommendations.
- Good knowledge of SQL
- B1 or higher English level for effective communication with an international team
Our ways of working:
- Innovative Spirit: a commitment to creativity and groundbreaking solutions
- Honest Feedback: valuing open, transparent communication
- Supportive Team: a strong, collaborative community
- Celebrating Achievements: recognizing our wins together
- High-Tech Environment: a team full of smart and revolutionary people who date to challenge the status quo of incumbent finances
Our benefits:
- Relocation support to one of our hubs with assistance for the employee and their family
- Flexible work from one of our offices
- Healthcare Coverage
- Education Budget: Language lessons, professional training and certifications
- Wellness Budget: Mental health and fitness activity reimbursements
- Vacation policy: 20 days of annual leave and paid sick leave