- Recommending actions with the aim of reducing delinquency rations to align with company targets
- Overseeing relations with both internal and external stakeholders to refine portfolio risk assessments, underwriting processes and scorecard validations
- Seeking opportunities to improve monitoring systems that track and monitor credit risk KPIs, customer segmentation and delinquency rates, and ensuring that regular reporting is undertaken from this
- Overseeing the development of ECL models, to ensure the proper recalibration for EAD and LGD parameters to be based on write-off and delinquency data
- Driving the development of credit risk policies as well as risk appetite strategies, write off policies and delinquency process guidelines
- Partaking in the development of collection strategies with the aim of improving team performance
- At least 5+ years’ experience in credit risk management, preferably in a financial services or leasing company
- Experience working in a regulated environment
- Experience recruiting and leading teams within a credit risk environment
- Exposure to managing ECL models with credit data, as well as knowledge of underwriting criteria and scorecard management
- Strong analytical abilities will be sought after as well as problem solving skills
- Excellent communication is expected too