Credit Portfolio Manager

Job Description RESPONSIBILITIES: /n /n - Work with internal partners to develop a robust portfolio management framework and a comprehensive credit & fraud risk management infrastructure for the Digital Bank. /n - Define the credit & portfolio management strategy, focusing primarily on Consumer products, Merchant lending, and SME lending portfolios. /n - Establish credit risk appetite and thresholds for the product portfolios. /n - Develop a comprehensive process and build credit portfolio monitoring and control systems to assess, identify, and reduce credit risk while optimizing portfolio returns. /n - Conduct real-time industry research with team reports to identify and analyze emerging trends. Review and approve relevant policies related to various regulations and emerging trends. /n /n REQUIRED QUALIFICATIONS: /n /n - Bachelor's degree in Computer Science/Statistics/Data Science or related programs; MBA or Post graduate in a similar field is a plus /n - At least 8+ years experience in credit, exposure to merchant lending is a plus /n - Excellent quantitative skills with background in credit scoring, credit strategy and overall credit cycle /n - Strong background in Credit Loss Forecasting /n - Conversant with scoring & impairment forecasting models. /n - Proficient in using statistical programming languages such as SQL and Python /n - Experience in using traditional and alternate data to drive credit strategies /n