Credit Risk Manager

hace 1 semana

Xico, México Ipf Digital A tiempo completo
About the Role

We are seeking a highly skilled Credit Risk Manager to join our team at IPF Digital. As a key member of our credit team, you will be responsible for ensuring the profitable growth of our customer base in line with our business plan.

Key Responsibilities
  • Develop and implement end-to-end credit strategies and credit models for our digital business in Mexico.
  • Identify and manage risk across the business, including credit, arrears management, and digital fraud.
  • Monitor and evaluate credit and arrears management strategies to manage credit loss and ensure effective use of systems and partners for risk management.
  • Take a test and learn approach towards the creation and governance of credit processes and activities.
  • Be responsible for the rules, models, decisions, and automated systems across the credit risk lifecycle.
  • Maintain and ensure effective reporting on the credit systems in place.
  • Love to get stuck into the detail, noticing key trends and patterns across the risk landscape and quickly acting upon them.
  • Care about the business, monitoring and reviewing processes and policies to protect the organization from fraud and risk and to identify ways to further drive growth and reduce wastage.
  • Constantly evaluate profitability of a product/channel and propose actions to address any challenges or utilize opportunities.
  • Work directly with collection team to minimize cost of credit.
  • Build great relationships with key partners, working with stakeholders from within the business and external to ensure you can acquire the right tools and processes to deliver the business plan.
  • Put customer experience and innovation at the heart of our business processes.
  • Know when to lead and when to do, balancing the strategic with the tactical in an effortless way.
  • Maintain and demand high levels of customer service from yourself, your suppliers, outsource partners, and in the models and systems that are used.
  • Care about what we spend - treat this business like it is your own.
  • Look for economies of scale and opportunities to reduce waste, whilst not impacting the customer experience.
Requirements
  • Fluent in verbal and written business English.
  • High level ability to interpret complex performance data; identify and deliver priority actions; evaluate the impact and risks of change.
  • Spot issues and opportunities and acts upon them quickly.
  • Able to effectively influence and challenge others.
  • Creativity and an aptitude for problem solving.
  • Flexible - happy to roll your sleeves up when needed.
Desirable Skills and Experience
  • Breadth of knowledge across the Credit arena, preferably from online lender.
  • Good understanding of statutory, legal, and regulatory requirements.
  • Thorough knowledge of analytics, credit scoring, credit systems, and processes.
  • Good knowledge of collections systems and processes.
  • Strong understanding in consumer credit.
  • E-commerce credit experience is desirable.
  • Fraud management (ideally within a digital environment).
  • Knowledge and practical experience of the tools available to support the management of credit risk.
  • Built online credit risk policies and credit risk rules, including assessment of credit scorecards for the on-line lending.
  • Experience of successfully implementing credit risk systems.
  • Experience of identifying and building strategic partnerships.

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