Job Summary:

• Conduct targeted credit analysis on a variety of business and investment opportunities
• Conduct financial and operational analysis of sale transaction targets
• Monitor existing transactions for operational and financial health
• Producing corporate credit risk reviews
• Liaise with the investment team, finance team and operations team to aid decision support on various transactions
• Create a credit risk framework alongside the existing team
• Build strong relationships with investment banks and investment partners, meeting externally to help maintain strong relationships
• Prepare annual credit reviews of the portfolio 

Skills on Resume:

• Credit Analysis (Hard Skills)
• Financial Review (Hard Skills)
• Transaction Monitoring (Hard Skills)
• Risk Assessment (Hard Skills)
• Team Collaboration (Soft Skills)
• Credit Framework (Hard Skills)
• Relationship Building (Soft Skills)
• Annual Credit Reviews (Hard Skills)

Job Summary:

• Build and manage processes responsible for the credit exposure and risk of the buy-now-pay-later (BNPL) and point-of-sale (POS) product set. 
• Review and approval of underwriting and exposure management strategy and creation of related policy. 
• Periodic management reports and analyses that provide performance updates and recommendations. 
• Working with business line staff to anticipate changes in performance, and cooperate in the adjustment of risk controls. 
• Reviews and responds to all Change Requests (Prism) that relate to the assigned portfolios, risk mitigation plans, and execution of business line initiatives. 
• Ensures Credit Policy is reviewed and maintained and aligns with business line operations. 
• Partners with Senior to Executive Leaders in business line product and credit risk functions as well as other Risk Management and Compliance teams to oversee the successful creation, implementation, and maintenance of effective credit risk management for Buy Now, Pay Later (BNPL) and point of sale (POS) unsecured lending. 
• Responsible for underwriting, exposure management, product design, credit bureau reporting, collections and regulatory issues related to BNPL and POS loans. 
• Accountable for the active identification, response and/or escalation of risks
• Develops policies and procedures to maximize profit potential and minimize regulatory exposure. 
• Accountable for an effective partnership between the Line of Business and the Lines of Defense.

Skills on Resume:

• Credit Exposure Management (Hard Skills)
• Underwriting Strategy (Hard Skills)
• Performance Reporting (Hard Skills)
• Risk Control Adjustment (Soft Skills)
• Change Request Review (Hard Skills)
• Credit Policy Alignment (Hard Skills)
• Leadership Collaboration (Soft Skills)
• Risk Escalation (Hard Skills)

Job Summary:

• Building and introducing credit risk policy (including rules for estimating and monitoring credit exposition) as well as making sure it's continuously working within the framework of ZEN processes and business teams supporting client acquisition.
• Recommending changes with regards to practices and tools used for credit risk management, based on the current market situation, changes in major risk trends, and risk appetite
• Overview of the key processes and control over new business initiatives and requirements regarding compliance to make sure that control mechanisms are aptly designed and are working according to credit risk management rules.
• Cooperation with internal and external clients, including, in appropriate cases, regulators with regards to matters connected with managing credit risk.
• Conducting credit analysis, assessment of the financial situation and creditworthiness for potential and existing clients. 
• Overview of current information regarding existing accounts
• Enumerate and survey credit expositions of clients who want to realize e-commerce transactions and who want to acquire money through various payment channels.
• Provide Phoenix Line 2 credit perspective and assessment of individual investment opportunities, including providing challenge to Line 1 and External Managers
• Make recommendations to Phoenix management on the appropriateness of individual transactions, including where corrective actions may need to be considered during the lifetime of a transaction
• Review appropriateness of credit rating and asset class aspects of strategic asset allocation and investment mandates
• Maintain documentation of the risk control framework with regard to credit ratings consistent with the Group risk management standards
• Monitor credit rating and methodology changes by ECAI and keep abreast of industry developments
• Interact effectively with stakeholders including the Credit Rating team in Line 1, Asset Management, Manager and Investment Oversight teams, Finance, and External Managers
• Represent Line 2 in meetings with Phoenix's investment managers for the relevant classes

Skills on Resume:

• Credit Risk Policy (Hard Skills)
• Market Risk Assessment (Hard Skills)
• Compliance Oversight (Hard Skills)
• Client Collaboration (Soft Skills)
• Credit Analysis (Hard Skills)
• Transaction Recommendations (Hard Skills)
• Credit Rating Monitoring (Hard Skills)
• Stakeholder Interaction (Soft Skills)