Lead Credit Manager

What You'll Be Doing Developing account-level valuation and credit underwriting policies using NPV frameworks to improve 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 concept to delivery Tracking, communicating, and drawing insights from performance of ongoing initiatives, while staying on top of credit KPIs through intensive monitoring Identifying operational inefficiencies, and managing the implementation of small-scale change within the Credit team Ensuring approval and good rating of first-line credit risk function from second line, third line, and regulators What You'll Need Experience 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, maths, economics, or management A solid understanding of credit policy governance frameworks to work through 2nd/3rd line of defence in a competent manner A track record of delivering excellent results that exceed requirements To be forward-thinking to plan appropriately, meet multiple objectives, and proactively identify/resolve issues Knowledge 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