Credit Risk Assessment

• Evaluate and monitor the creditworthiness of existing and prospective customers

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  Perform detailed analysis of financial statements, credit bureau reports, and risk data

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  Recommend credit limits, terms, and risk actions based on assessment outcomes

Credit Risk Strategy & Policy

• Develop, implement, and periodically enhance credit risk policies and procedures

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  Ensure credit risk strategy aligns with business objectives and regulatory requirements

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  Advise senior management on risk exposure, trends, and mitigation strategies

Risk Monitoring & Reporting

• Monitor portfolio risk exposure to ensure compliance with internal risk limits

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  Prepare risk reports and dashboards highlighting key indicators, trends, and emerging risks

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  Implement and manage automated tools and systems for risk monitoring and reporting

Stakeholder Management

• Collaborate with underwriting, sales, finance, product, and legal teams to manage credit risk

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  Liaise with credit bureaus, auditors, and regulatory bodies to stay aligned with best practices

Compliance & Governance

• Ensure adherence to regulatory requirements and industry standards

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  Maintain up-to-date knowledge of US credit regulations and compliance frameworks

Training & Development

• Provide guidance and mentorship to junior risk analysts

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  Stay current with industry trends, tools, and regulatory developments

Education: Bachelor’s degree in Finance, Economics, Accounting, or a related field ot
Master’s degree (MBA / MSc) or professional certifications (FRM, CFA) are preferred

Skills & Experience:

• Minimum 5 years of experience in US credit card risk management or related roles

• Strong understanding of credit risk analysis, financial modeling, and portfolio management
• Experience working with US credit bureaus and US credit scoring frameworks
• Exposure to credit risk management systems and tools

Technical Skills

• Advanced knowledge of credit scoring models and risk mitigation techniques

• Proficiency in Excel, SQL, and Python
• Strong analytical and reporting capabilities

Soft Skills

• Excellent analytical and problem-solving skills

• Strong written and verbal communication abilities
• Ability to engage effectively with senior leadership and external stakeholders
• High attention to detail and strong organizational skills