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This position involves managing large and complex professional disciplinary areas within a global financial institution, including leading a team of risk professionals and coordinating credit policies, risk assessments, and business-related tasks.
Job Responsibility:
Facilitating profitable growth of the Margin Lending & overdraft products: evaluation of business proposals, participation in plan formulation, communication of policy changes
Risk Appetite framework definition and analysis
concentration tracking
Preparation of PQR, and other dedicated and ad-hoc reports
Creatively analyse new data sources and tools for additional new opportunities
Will partner with operational risk, collection strategy and fraud managers in defining credit verification and collection process/policy
Ensuring controls over implementation of policy
Monitor and validate credit policies across program and customer lifecycle
Develop tracking standards and review actual results versus forecasts with full analyses of any variances
Evaluating policy change requests and in the implementation and execution of policies
Assess the effectiveness of the credit risk processes and standards to promote leading practices and identify opportunities for improvements
Coordinating all approval requests with Region
Work with Regional and Global risk teams to share information, share advances / new ideas, understand policies, and optimize programs
Understand and be the local expert on the Global Consumer Credit and Fraud Risk Polices
Work cross-functionally with key business partners to support all acquisition and product strategies that will enable us to make the best risk/reward decisions
Ensure that credit policies and strategy are in line with the business objectives
Ensuring compliance with Global Policy and relevant risk related regulations
ensuring compliance with local regulations
Ensure that the adequate infrastructure (systems, validations, MIS etc) is in place to properly manage the portfolio
Drive the analysis of portfolio metrics, trends and KPIs (Key portfolio metrics), including deal pipeline, Specialists metrics, deal volume and trends
Managing, training and developing a team of risk professionals
Requirements:
10+ years experience in Policies/Analytics/Decision Management
Thinks and makes decisions in high risk scenarios, appropriately assessing a situation based on available data, experience, intuition, and judgment
Good project management skills
Able to interface with various levels of management in Global/Region/Business and across functions
Knowledge in consumer risk management credit cycle processes and asset product operations
Maintain effective negotiation skills, a proactive and 'no surprises' approach in communicating Risk issues, strength in sustaining autonomous views
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