Award-winning executive recruitment company, Monroe Consulting Group, is recruiting on behalf of a prestigious company focused on digital finance, consumer finance, digital assets, and a pioneering new business models in the fintech market.
This position will be responsible for analyzing the credit portfolio to identify risks and potential exposures, ensuring a proactive approach to managing credit performance across all subsidiaries in response to economic shifts and market trends.
Job Responsibilities
- Perform comprehensive analysis of the credit portfolio to pinpoint risk concentrations and potential vulnerabilities.
- Monitor the credit performance of all subsidiaries, evaluating the impact of macroeconomic factors and market trends on portfolio stability.
- Formulate and execute risk mitigation strategies to manage and minimize risks associated with the credit portfolio.
- Recommend portfolio diversification approaches to reduce risk through a balanced mix of credit products and targeted customer segments.
- Conduct stress testing and scenario analysis to assess the potential effects of adverse situations on the credit portfolio.
- Utilize insights from these analyses to improve risk management practices and refine methodologies for risk assessment.
- Evaluate the effectiveness of credit portfolio management across lending subsidiaries, particularly in areas of model risk management, Expected Credit Loss provisioning, and Model Overlays.
Job Requirements
- Understanding of regulatory frameworks and compliance standards relevant to credit risk (e.g., Basel III, IFRS 9).
- Strong quantitative and analytical skills, with experience in portfolio risk assessment, Expected Credit Loss (ECL) modelling, and scenario analysis.
- Credit risk management, portfolio management, or financial analysis, ideally within fintech, banking, or digital finance environments.
- Flexibility to work in a dynamic, fast-paced environment setting, adapting to new financial products, technology trends, and emerging risks
- Strong command of English