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Senior Credit Risk Manager

hace 2 meses


Xico, México Albo A tiempo completo

About Albo

Albo is a leading fintech company that specializes in providing financial products to individuals and small to medium-sized businesses (SMBs). Our mission is to bring financial freedom to everyone, everywhere.

Job Summary

We are seeking a highly experienced and skilled Senior Credit Risk Manager to join our team as our VP of Credit Risk. As a key member of our leadership team, you will be responsible for overseeing the performance of our credit strategy, designing credit risk policies and procedures, and developing strategies for our consumer and SME credit products in Mexico.

Key Responsibilities

  • Oversee the day-to-day relationship with our debt fund, ensuring compliance with eligibility criteria and covenants.
  • Monitor key performance indicators (KPIs) and portfolio metrics, providing regular reports and insights to senior management and stakeholders.
  • Develop and implement credit policies, underwriting guidelines, and risk management strategies to optimize lending performance and mitigate risks.
  • Build and maintain relationships with debt funds and other financing partners, negotiating terms and agreements to secure funding for our lending portfolio.
  • Collaborate with internal stakeholders, including product, technology, and finance teams, to drive innovation and optimize lending processes.
  • Lead the Credit Risk team to design, develop, and implement retail credit risk models.
  • Manage risk appetite through limited calibration and monitoring in accordance with credit committee guidelines.
  • Manage credit limits, risk-based pricing, retention strategies, over-limit policies, etc.
  • Adjust risk-return requirements and manage/adjust portfolio returns as new data comes to light.
  • Support the annual budget, forecast, and planning processes.

Requirements

  • Proven experience in credit risk management, with a strong background in financial services.
  • Excellent analytical and problem-solving skills, with the ability to interpret complex data and make informed decisions.
  • Strong communication and interpersonal skills, with the ability to build and maintain relationships with stakeholders.
  • Ability to work in a fast-paced environment, with a high level of adaptability and flexibility.
  • Strong leadership skills, with the ability to motivate and guide a team of credit risk professionals.

What We Offer

At Albo, we offer a competitive salary and benefits package, as well as opportunities for professional growth and development. If you are a motivated and experienced credit risk professional looking for a new challenge, please submit your application.