Unsecured Credit Risk (Manager)
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Job Location:
Monthly Salary:
Posted on:
4 hours ago
Vacancies:
1 Vacancy
Job Summary
Job Description:
| Portfolio Risk Ownership & Performance Management | ||||||||||||||||||||||
| Own end-to-end credit risk performance for assigned portfolios or segments. | ||||||||||||||||||||||
| Monitor delinquency loss rates payment behavior utilization and profitability. | ||||||||||||||||||||||
| Identify emerging risk trends and structural shifts using vintage and cohort analysis. | ||||||||||||||||||||||
| Translate portfolio performance into loss P&L and capital impact. | ||||||||||||||||||||||
| Proactively escalate material risk issues with clear mitigation plans. | ||||||||||||||||||||||
| Acquisition & New Account Risk Strategy | ||||||||||||||||||||||
| Support and influence acquisition risk strategy across channels and products. | ||||||||||||||||||||||
| Evaluate underwriting thresholds approval strategies and targeting effectiveness. | ||||||||||||||||||||||
| Monitor early lifecycle risk including FPD and early delinquency. | ||||||||||||||||||||||
| Provide data-backed challenge to growth initiatives to ensure risk-adjusted returns. | ||||||||||||||||||||||
| Existing Customer Management (ECM) Responsibilities: | ||||||||||||||||||||||
| Own ECM analytics and strategy across CLI CLD authorization controls and line management. | ||||||||||||||||||||||
| Define risk-based segmentation using behavioral and bureau data. | ||||||||||||||||||||||
| Evaluate and recommend ECM actions balancing customer experience spend growth and loss containment. |
