• Process credit applications and make recommendations, highlighting all risk issues pertinent to the credit decision
• Justify credit decisions, both verbally and in writing
• Give initial feedback on prospective and existing customer requests to Dealers and Account Relationship Managers
• Give constructive feedback on the work produced by fellow Credit Risk Analysis team members
• Ensure quick turnaround of credit requests and ensure the Credit Application Status Log is updated daily
• Analyze client solvency, income statements and balance sheets
• Apply the procedure for the recovery of unpaid invoices
• Participate in weekly Credit Committee meetings
• Work with sales staff on the challenges of Credit management

Skills: Credit Application Processing, Decision Justification, Feedback Provision, Team Collaboration, Request Turnaround, Financial Analysis, Recovery Procedures, Committee Participation

• Provides guidance within the organization on all matters related to credit risk decisions, lending philosophy and quality
• Ensuring that the company’s lending culture is consistent.
• Responsible for the ongoing development of credit risk philosophies, scenarios and exception requests, tracks escalation process and reports exceptions to management.
• Manages standard processes for credit risk reviews, reviews emerging credit risk issues and regulatory changes, and identifies credit risk control deficiencies.
• Responsible for complex analytics, reporting, management, and monitoring of credit quality, credit risk and performance of loans.
• Researches credit risk trends, makes recommendations for adjustments and updates to credit risk programs and policies.
• Manages a segment of the credit risk group, which includes resolution of escalated issues, credit decision overrides, single loan variance approvals, and policy exceptions.
• Provides training and acts as a resource for underwriting with respect to questions about product and/or other issues that may come up during the lending cycle based on industry knowledge and experience.
• Responsible for ensuring that credit risk issues/concerns within the organization are being appropriately evaluated, tested, investigated and resolved.

Skills: Risk Guidance, Lending Consistency, Philosophy Development, Risk Management, Quality Analytics, Risk Research, Segment Leadership, Underwriting Support

• Support the Policy Credit Risk Manager with the development and update of Nottingham’s appetite for mortgage credit risk 
• Ensure that the 1st line Credit Risk team is in compliance with all relevant guidance, regulations and legislation and ensure any necessary analysis is carried out within the team at the required frequency
• Report on any regulatory gap analysis to the Prudential Regulation Oversight Committee
• Provide detailed MI and commentary to Credit Committee, ALCO, Executive Risk Committee and the Board on a monthly basis on new business and existing book – including information against controls and risk appetite
• Support the Head of Financial Planning and Analysis in strategic projects, such as IT transformation projects, acting as a key delivery owner for the Risk components of such projects
• Design and deliver appropriate model management information to ensure that models continue to work within agreed tolerances or to inform decisions on when a model needs redevelopment
• Lead the production of the Credit Risk section of the ICAAP, including the calculation of the Society’s Total Capital Requirement and stress testing the portfolio
• Develop, motivate and lead a team of 2 Credit Risks Analysts 

Skills: Risk Appetite Development, Compliance Assurance, Regulatory Reporting, MI Analysis, Strategic Project Support, Model Management, ICAAP Leadership, Team Leadership

• Lead the preparation for CECL readiness with external vendor and maintaining current ALLL process. 
• Partner with Accounting to understand capital impact of this transition
• Maintain and enhance corporate loss forecasting efforts to inform annual financial business plan. 
• Perform attribution analysis to evaluate changes in the estimates and potential impact
• Support future Capital Planning Stress Testing (CPST). 
• Provide a robust assessment of capital-at-risk with regard to credit risk under various macroeconomic scenarios
• Interact with outside auditors and regulators regarding the above
• Enhance and maintain credit concentration risk reporting to ensure the institution adheres to corporate-level credit risk appetite
• Partner with executive leadership in the development and implementation of lending strategies to meet earnings goals within the framework of risk metrics
• Monitor changing market conditions to identify trends and potential areas of risk
• Maintain specialized knowledge in financial markets, economics, and credit risk modeling

Skills: CECL Readiness, Capital Impact Analysis, Loss Forecasting, Attribution Analysis, CPST Support, Capital Risk Assessment, Audit Collaboration, Risk Strategy Development

• Developing a commercial understanding of key business metrics relevant to credit risk in the car subscription market. 
• Using this to develop an automated and predictive credit rating model to help contribute towards growing Drover’s UK & French revenues by the end of 2021 and beyond.
• Preparing accurate and timely MI/reports for senior management, highlighting any trends and where appropriate suggest improvements
• Understanding trends in risk and customer behaviour to ensure that we improve the risk of current subscriber base
• Developing strategies to refine the current customer underwriting models as well as working on new product launches and process and customer journey optimisation
• Focusing on process initiatives to automate decision making 
• Managing, coaching and mentoring a remotely based approvals team of 3, which is looking to expand.
• Working with several key internal and external stakeholders including investors, suppliers, insurance partners, third-party services etc.

Skills: Commercial Analysis, Model Development, MI Reporting, Risk Trend Analysis, Strategy Refinement, Process Automation, Team Leadership, Stakeholder Engagement

• Responsible for managing the credit portfolio for the Group, maximising the progress of policies and functions related to risk management and feedback to management
• Across trading and risk desks, develop and implement necessary risk management and reporting analysis to optimise the risk management system and contribute to the Group’s overall success
• Conduct credit and counterparty risk, actively have a hand in cross-departmental projects and contribute to the risk assessment of brand new expansion projects and structures
• Structure the limits and facilities to mitigate risk, as well as monitor macro-economic trends and market fluctuations to remain up to date with relevant market standings
• Manage and provide support to other employees to ensure the Group’s risk awareness and capabilities are fully optimised
• Working with this established Finance Company who work within the high return waste to energy sector.
• Reporting to the Head of Credit primary responsibilities are to prepare credit papers and make recommendations relating to both new business and extensions of credit. 
• Undertake regular monitoring of the portfolio to ensure loan facilities remain compliant and take action to address any areas of concern.
• Assist the Head of Credit by providing analysis of credit applications
• Provide financial and risk analysis through the life of the project, including management of variances, projections and operational targets.

Skills: Portfolio Management, Risk Optimization, Cross-Departmental Projects, Risk Structuring, Awareness Training, Credit Analysis, Portfolio Monitoring, Financial Analysis

• Perform risk assessments and review the assessments on the credit proposals submitted by front line officers, exercise credit judgment, and make sound credit recommendations and/or decisions
• Perform proactive ongoing credit monitoring and risk management on the client as well as portfolio level
• Ensure all internal credit policies and procedures are adhered to and help to develop or enhance such policies and procedures
• Ensure on-going compliance with regulatory requirements
• Help to prepare various credit reports to be presented to Senior Management
• Assist in development of data collection including alternative data, develop data analytics to apply decision-making process based on data
• Analyse data from ecosytem that would assist in making credit decisions
• Develop credit performance metrics to analyze credit quality of portfolio
• Monitor credit performance metrics to identify negative and positive changes
• Work with different teams in company to have better understanding of drivers of credit related matters.

Skills: Risk Assessment, Credit Monitoring, Policy Compliance, Regulatory Compliance, Credit Reporting, Data Analytics, Credit Analysis, Performance Monitoring

• Work with Global, internal and external customers to manage the activities of the Credit Department through upholding AutoZone’s Credit Policy and mitigating AutoZone’s financial risk by collaborating with different levels of management regarding necessary credit decisions
• Collaborate with Finance Director and US Credit Leadership to develop short and long-term strategy to support growing Commercial business in Mexico and elevating the Risk Analyst to become trusted partners of the business
• Improving departmental customer service levels at DataZone to meet the service levels required to make AutoZone easy and a pleasure to do business with
• Review financial statements, perform financial analysis, identify risk, and interpret data for use in rendering sound credit decisions
• Insure Risk Team perform credit limit administration, regulatory and policy reporting functions, including support for all of the department’s compliance and audit requirements
• Assure applications for new accounts are in compliance with the State and Federal approval regulations and AutoZone’s policies and procedures
• Collaborate and implement operational strategy for Mexico A/R integration and expansion to ensure compliance with country, state and local laws
• Partner with Mexico CAT leadership team, legal, finance and sales to ensure Credit policies and procedures are alignment with corporate strategy and compliant with local laws
• Research and evaluate Mexico’s customer's credit worthiness based on scoring models to predict risk and vulnerability using external credit agencies such as Dunn and Bradstreet, Experian, Credit Risk Monitor and Skyminder for international reporting
• Partnering with IT and Financial Systems groups to ensure sufficient automation to address department needs
• Prepare analysis for management and the sales team pertaining to customer credit worthiness credit portfolio risk, or general credit matters
• Improve departmental KPI measurements, maintaining and updating KPI’s, and ensuring the development of the Credit and Risk team
• Provide direction, leadership, and coaching to direct reports on a consistent basis to foster efficient and enhanced accomplishment of individual, as well as departmental deliverables

Skills: Credit Policy Management, Strategic Development, Financial Analysis, Compliance Oversight, A/R Strategy Implementation, Credit Research, System Automation, Leadership Development

• Perform risk assessment on credit proposals submitted by front line, exercise credit judgment and make credit recommendations
• Lead collection team and continuously improve team development
• Perform proactive credit monitoring and management on clients as well as portfolio levels
• Ensure all internal credit policies and procedures are aligned with regulatory requirements
• Effectively leverage data-driven and AI-based solutions, and detailed executive management process, reduce churn rate and bad debts on the basis of cost control
• Leverage data-driven approach to segment and manage outsourced collection teams, empower them
• Responsible for coordination data and tech teams as well as facilitating system development, implementation plan, and product functions, to improve efficiency and effectiveness of collection management
• Manage the people within the Credit Risk team through ongoing coaching and feedback to maximise outcomes and promote development for the individual
• Ongoing evaluation of the methods and processes used for the assessment of credit risk at onboarding and review stage to ensure effectiveness and efficiency
• Prepare MI to Head of Risk, CRO and other Senior Management on the performance of the portfolio from a credit risk perspective, and additionally highlight areas for attention and make recommendations.
• Ongoing involvement in non-BAU initiatives as delegated by Head of Risk
• Support the Head of Risk and be involved in other projects/initiatives as may be directed from time to time

Skills: Credit Risk Assessment, Team Leadership, Credit Monitoring, Policy Compliance, Data-Driven Management, System Coordination, Process Evaluation, Strategic Reporting

• Develop and review FSI risk management policy & framework (i.e Credit Risk, Liquidity, Market Risk) that leverage statistical based quantitative model
• Develop FSI portfolio indicators (i.e approval rate, NPL rate, credit score, liquidity)
• Proactively monitor portfolio performance & take initiative to improve through change in credit policy accordance with company credit risk appetite
• Supporting Credit Risk Policy, Scoring, and Collection strategy to enable and maintain good and healthy growth of FSI business
• Partner with relevant Risk Managers in coordinating credit risk inputs into Risk ID, Risk appetite, annual ICAAP, Pillar 3, MLI financial statements
• Manage submissions for regulators and legal entity governance forums
• Participate/ lead strategic initiatives from time to time, such as regulatory applications, remediation of regulatory issues and Audit issues, operational excellence initiatives etc.
• Monitor legal entity risk appetite and investigate and escalate breaches in a timely fashion

Skills: Risk Management Development, Portfolio Indicators, Portfolio Monitoring, Credit Strategy Support, Risk Coordination, Regulatory Compliance, Strategic Initiatives, Risk Appetite Monitoring

• Relevant hands-on banking or fin-tech experience, handling credit risk related portfolios
• Familiar with MAS regulations such as MAS Notice 635, 656, 639, 612, MAS Guideline on Risk Management Practices and other relevant regulations
• Professional qualifications such as CA/ACCA/CPA/FRM would be advantageous
• Strong Credit and Trade finance knowledge
• Expert knowledge of risk areas, banking products, services and systems
• Problem-solving, positive and constructive attitude
• Self-motivated and oriented team player who can multitask in a fast-paced environment
• Knowledge of technology or data analytics
• Strong interpersonal and communication skills.

Qualifications: BS in Finance with 8 years of Experience

• Experience managing large scale projects with various stakeholders
• Strong interpersonal, communication, analytical, and problem-solving skills
• Strong bias for action and ability to execute in a dynamic environment.
• Experience with various project management tools, JIRA 
• Experience in loss forecasting, stress testing
• Proven collaboration and stakeholder management skills
• Excellent communication skills (oral and written)
• Strong working knowledge in presenting quantitative data via PowerPoint, Excel, Word, etc.
• Proven ability to influence without authority, build alignment and drive change
• Strong time management and project management skills

Qualifications: BA in Economics with 5 years of Experience

• Demonstrated experience and expertise in unsecured credit risk management
• A sound understanding of credit risk management models and their applications
• A strong mathematical and statistical background
• Analytical programming language experience and expertise (e.g. SQL, Python, Pyspark, SAS, etc)
• Business Intelligence tooling experience and expertise (e.g. Tableau)
• Demonstrated people leadership experience
• Effective communicator to both technical and non-technical audiences
• Able to work independently, generate ideas and challenge the status quo
• Strong understanding of securities asset classes and markets and processes
• Familiarity with SBL credit systems (e.g., AP, Genesis, RASOR, etc.).
• Must have excellent written and verbal communication skills
• Demonstrated strengths in work production, work quality, prioritization and cross-functional collaboration

Qualifications: BA in Business Administration with 3 years of Experience

• Significant level of credit risk experience, together with a very good understanding of the functioning of the energy markets and trading products, in particular relating to LNG
• High level of technical knowledge of finance and risk to competently monitor risks arising from complex transactions and is comfortable with working with numerical data
• Understanding of risk management relating to how credit exposures arise in the energy business, how they can be modelled and stressed and how IT systems can be optimised to reflect them adequately
• Awareness of credit risk issues and economic context so as to take preventive action in risky contexts and guide the business towards preferred counterparties. 
• An understanding of the main systems used for monitoring is required (S&P capital IQ, Moody’s…)
• Ability to manage and direct more junior team members
• Ability to describe technical topics in a clear way to senior management in order to provide a complete picture of risks and provide guidance that is sound and concise
• Ability to interact with external and internal stakeholders of all levels with strong interpersonal and negotiation skills
• Ability to motivate and manage efficiently junior team members
• Ability to see beyond own area when necessary, for example in thinking about other risks impacted by credit decision (liquidity, market, operational).

Qualifications: BS in Accounting with 4 years of Experience

• Deep understanding of the credit card and small business lending industry 
• Extensive experience in automating underwriting processes.
• Previously worked in a consumer lending tech company, and preference is building for long term automation, getting the processes ready for future growth.
• Excellent knowledge of SQL and Python (or would be comfortable transitioning from R, SAS, Matlab, etc).
• Experience leading a high performing credit team.
• Strong business judgment and analytical skills
• An inspiring, engaging people leader with naturally high EQ, able to set a vision and bring people together.
• A strategic mindset, with exceptional clarity of thought, but will also adopt a hands-on approach and be close to the detail.

Qualifications: BS in Statistics with 5 years of Experience

• Experience in a credit role preferably experience within an external rating agency or Corporate Finance/ratings based Front Office analyst team.
• High level competence in commodity/larger corporate clients risk analysis, and underlying knowledge of the industry fundamentals and trends, with greater emphasis on the Large Corporate sector(s).
• Experience in Utilities, Healthcare, Aviation and/or Pharmaceuticals 
• An open-minded, flexible, professional, pragmatic and market cognisant approach to commodity risk assessment, C&LCC portfolio management and provisioning policy.
• Strong communication and interpersonal skills, in dealing with both junior and senior level counterparts and staff internally and externally.
• An ability to work unsupervised, with effective time management and a strong team player mindset including remote networked access 
• Good working knowledge of Microsoft Word and Excel etc. financial modelling skills 
• Expertise in risks associated with Corporate Loans
• Knowledge of regulatory landscape in Luxembourg
• Driven, good communicator, fluent in English and ideally one other language
• Ability to manage relationships with senior stakeholders in the business
• Strong analytical experience and team-player

Qualifications: BS in Risk Management with 4 years of Experience

• Experience in credit analysis or risk management environment.
• Understanding of merchant acquiring processes including credit underwriting, merchant disputes, chargeback processing, card schemes (e.g. VISA/MasterCard) rules and regulations
• Proven understanding and application of risk management practices.
• Familiar with regulatory AML compliance requirement
• Demonstrated ability to negotiate with different levels of stakeholders.
• Demonstrated analytical skills and ability to makes sound decisions.
• Passion to learn new skills and ability to gain an understanding quickly.
• Experience in the development of credit risk model and the system
• Experienced in developed and deployed projects on Machine Learning or Deep Learning models
• Knowledge and practical experience with risk modelling and risk analysis, credit risk modelling IRB (PD/LGD/EAD) and IFRS 9 / HKFRS 9
• Experience in programming languages (Python, SAS, SQL), Machine Learning or Deep Learning tools (i.e Tensorflow, Torch, Neural Designer, Microsoft Cognitive Toolkit, Pytorch)

Qualifications: BS in Financial Engineering with 5 years of Experience

• Highly effective written and verbal communication with technical and non-technical audiences, including senior management, with demonstrable ability to synthetize and communicate complex analytics in a concise fashion.
• Self-driven / self-motivated attitude on the job. High sense of responsibility and autonomy
• Excellent verbal and written Spanish and English skills. 
• Working knowledge of SAS/WPS beneficial, and advanced MS Excel and PowerPoint
• Experience in a corporate banking or asset lending
• Clear understanding of general accounting principles, the time value of money and - discounted cash flow techniques
• Strong, in-depth, financial and business analytical skills together with a sound - knowledge of business re-structuring techniques
• Ability to read, understand, and comment on the risk issues
• Strong oral, written and analytical skills and an ability to make quality decisions quickly

Qualifications: BS in Actuarial Science with 7 years of Experience

• Experience in credit risk preferably within a consumer credit market
• Strong analytical and quantitative skills approached with an inquisitive mindset
• Excellent data mining skills with experience in (e.g. VBA, R, SAS)
• An entrepreneurial spirit, with the ability to be flexible and hands-on 
• Pragmatic and goal oriented with a track record in problem solving
• Proven management skills in both developing teams and delivering projects
• Strong communication skills developed in diverse environments
• Willingness to work closely with the UK Credit team
• Sense of humour and ability to perform resiliently
• Fluent in English or Italian 

Qualifications: BS in Management Science with 3 years of Experience

• Excellent ability to read/write SQL.
• Experience of working with SSIS.
• Experience in delivering reporting in MS Excel.
• Experience in building/delivering MI & Strategic Analysis.
• Experience in shaping ways of working in a data environment (inc. server management)
• Experience working with SSRS, MS Access, DAS.
• Experience in a debt recovery environment
• Experience in leading/implementing change.
• Experience with credit risk scorecards and acquisition policies.
• Experience in leading people in a data environment

Qualifications: BS in Data Science with 5 years of Experience