Credit Risk Analyst

5 days ago

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Kueski

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Fintech • Finance • Development • technology • data

501 - 1000

💰 $23.3M Venture Round on 2022-10

Description

• Analysis of credit behavior at the portfolio level • Analysis of credit behavior at origination harvest level • Preparation and definition of reports, metrics and presentations at an executive and strategic level • Key point of contact with engineering, product, sales, finance, or collections to ensure appropriate development and implementation of credit risk policies and tools, as well as a clear understanding of business needs • Construction and definition of strategies for sustainable business growth through the development of monitoring systems and the definition of credit evaluation schemes, through an analytical, numerical, and business sense perspective • Generate proposals to incorporate additional information, new tools and/or preventive policies to mitigate credit losses through quantitative and qualitative evaluations • Identification, definition, and development of proofs of concept from external data sources to evaluate the added value for credit loss mitigation • Stay abreast of industry best practices, regulatory guidelines and market developments to ensure compliance and promote continuous improvement in risk management processes • Mentor and support junior analysts, providing guidance and experience in credit risk analysis methodologies and techniques • Design, implement, and monitor strategic campaigns based on the analysis of customer credit profiles

Requirements

• Graduate from one of the following majors: Engineering, Mathematics, Actuary, Economics or similar • At least 4 years of proven experience in managing and exploiting databases via Python, R, SQL • At least 4 years of proven experience using analytical and statistical techniques • At least 4 years of experience analyzing and understanding credit risk metrics and operation of consumer credit products • English language (intermediate-advanced level)Critical and analytical thinking • Self-management, focus on achievement, and delivering results on time • Decision making based on data analysis • Decision making in uncertainty through creative proposals based on similar data • Proactive, purposeful, and focused on continuous improvement • Cooperation, teamwork, and leadership in project implementation and monitoring • Administration logic, development, and implementation of Data Sources, as well as related credit policies • Advanced experience interpreting analytical tools associated with credit risk analysis including selection of cut-off points, and development of credit risk models (reserves and/or origination) • Knowledge of functions of various cross-functional areas and their strategic relevance in credit risk management including product management and design, data science, finance, sales, marketing, and engineering • Verbal and written communication skills, with the ability to present complex information in a clear and concise manner • Ability to work effectively with cross-functional teams and manage multiple stakeholders

Benefits

• We have a mission-driven culture focused on customer value, teamwork, humility, and integrity • Everyone is expected to have role clarity, career growth, and a personal development plan. Feedback and recognition are embedded in our company processes, systems, and practices • We ensure competitive salary, medical insurance, and wellbeing through ample and flexible time off as well as mental healthcare benefits • Everyone is an owner and eligible for competitive stock options with a company poised for success. We're committed to building an inclusive and diverse team and we know this leads to incredible work