credit risk specialist

Bravo

<div><h4 class="jobSectionHeader">Job Purpose</h4>
The Credit Risk Manager will be responsible for analyzing, monitoring, and managing the credit risk exposure of Bravo&rsquo;s consumer finance portfolio. The role involves developing credit risk models, supporting policy formulation, conducting portfolio reviews, and providing actionable insights that enhance risk strategy and ensure compliance with regulatory standards.<h4 class="jobSectionHeader">
Key Responsibilities</h4><ul><li>
Develop and maintain credit risk models, scorecards, and risk assessment methodologies.</li><li>
Monitor credit portfolio performance, delinquency trends, and default patterns.</li><li>
Perform stress testing and scenario analysis to assess portfolio resilience.</li><li>
Recommend changes to credit policy, risk appetite, and approval criteria based on data insights.</li><li>
Support new product launches with credit risk assessments and portfolio impact analysis.</li><li>
Prepare and deliver regular risk reports and presentations to senior management.</li><li>
Collaborate with MIS, Collections, and Business teams to align on risk strategies.</li><li>
Ensure compliance with FRA regulations and internal risk frameworks.</li><li>
Mentor junior analysts and contribute to building analytical capabilities within the risk team.</li><li>
Develop and implement fraud detection and mitigation strategies to safeguard the portfolio.</li></ul><ul><li> 
Bachelor&rsquo;s degree in Economics, Statistics, Finance, Business, or related field.</li><li>6+ years of experience in credit risk management or portfolio analytics in Consumer Finance, Banking, or FinTech.</li><li>Strong knowledge of credit risk concepts, policy formulation, and portfolio monitoring.</li><li>Experience with BI and reporting tools (Power BI, Tableau) is preferred.</li><li>excel</li><li>Excellent analytical, problem-solving, and quantitative skills.</li><li>Strong stakeholder management and communication skills.</li><li>Ability to work independently and manage multiple priorities under tight deadlines.</li></ul></div>

Credit Risk Manager

Figopara

<div>
 
 
 About Figopara
 
 
 
 
 
 
 Figopara is a venture-backed fintech platform helping businesses overcome cash flow gaps through digital financing. From invoice-based finance to credit scoring, we enable SMEs to grow with financial ease.
 
 
 We are looking for a
 
 Data Scientist (Credit Risk)
 
 to be part of our growing team in Turkey. Our mission is to build advanced credit risk models that reduce portfolio risk and support healthy growth in the fintech ecosystem.
 
 
 
 
 
 
 What&rsquo;s special about this position?
 
 
 
 
 
 
 In this role, you will develop and improve end-to-end credit scoring (PD) and credit limit models for SME loans, reducing portfolio risk through NPL (non-performing loan) prediction and supporting sustainable growth.
 
 <ul>
 <li>
 Lead the model lifecycle: data exploration &rarr; feature engineering &rarr; modeling/validation &rarr; deployment &rarr; monitoring and improvement.
 </li>
 <li>
 Prepare and validate data in MSSQL Data Warehouse, ensuring quality and consistency.
 </li>
 <li>
 Align scoring and limit outputs with credit policies and business rules.
 </li>
 <li>
 Work closely with cross-functional teams.
 </li>
 <li>
 Interpret financial statements and ratios, turning them into actionable business insights.
 </li>
 </ul>
 
 
 
 
 
 What We&rsquo;re Looking For
 
 
 
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in Computer Science, Industrial Engineering, Statistics, Mathematics, or a related field.
 </li>
 <li>
 3+ years of experience in data science, with hands-on practice in credit risk.
 </li>
 <li>
 Strong knowledge of Python and SQL.
 </li>
 <li>
 Experience with ML libraries such as scikit-learn, XGBoost, LightGBM.
 </li>
 <li>
 Experience with FastAPI and Docker for model deployment.
 </li>
 <li>
 Solid understanding of statistics and statistical modeling.
 </li>
 <li>
 Experience with imbalanced learning and explainability techniques (e.g., SHAP).
 </li>
 <li>
 Knowledge of financial statement analysis and credit risk methodologies.
 </li>
 <li>
 Fluent in English.
 </li>
 </ul>
 
 
 
 
 If you&rsquo;re ready to bring your data science skills to the fintech world and make a real impact &rarr; let&rsquo;s talk!
 
</div>

Data Scientist (Credit Risk)

Citi

<div>Institutional Credit Management Underwriting (ICM-UW) is an integral part of the ICM organization. ICM-UW&rsquo;s mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to Risk and Banking. These three groups have a shared commitment to ensuring the safety and soundness of wholesale lending across Citi.ICM-UW Credit Risk Analysts are responsible for a portfolio of client relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. That includes the production of Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Transactions and Portfolio &amp; Industry Reviews and Stress Testing. The role is part of the Turkish ICM team.
Key Responsibilities:
<ul><li>Assess the credit and financial strength of Citi&rsquo;s Global Network Banking clients (and if needed can assess Large Corporate, Public Sector, Financial Institution clients) by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors.</li><li>
Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Citi&rsquo;s Counterparties based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite.</li><li>
Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to ICM-UW seniors, Risk and Banking.</li><li>
Partnership with applicable regional and industry stakeholders in Banking and Risk in the implementation of credit assessment and monitoring standards for applicable portfolios.</li></ul>
Knowledge/Experience:<ul><li>
0-2 years of credit experience in Banking, Credit Risk Management or equivalent.</li><li>
Fundamental analytical skills, including an understanding of key financial components (liquidity position, leverage profile) with the ability to identify root causes and trends and anticipate horizon issues.</li><li>
Demonstrates basic knowledge of financial statements and GAAP accounting or similar governance relating to country of operation.</li><li>
Displays basic industry research capabilities, including risk and key drivers.</li><li>
Basic understanding of Credit Policy and procedures; proactively refers to resources as needed.</li><li>
Demonstrates ability to identify potential risk issues that need escalation and escalates them promptly.</li></ul>
Skills/Competencies:<ul><li>
Assists colleagues in identifying stretch opportunities to elevate individual and team performance.</li><li>
Proven culture carrier.</li><li>
Interpersonal skills, with the ability to build relationships and exert influence with and without direct authority.</li><li>
Organizational skills with ability and willingness to work under pressure and manages time and priorities effectively.</li><li>
Written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority.</li><li>
Microsoft Office (Word, Excel, and PowerPoint) skills.</li><li>
Proficiency in Turkish and English.</li></ul>
Qualifications:<ul><li>
BA/BSc or higher degree in Business (MBA), or any other related subject</li></ul> 
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
-
Job Family Group:
Risk Management
-
Job Family:
Credit Decisions
-
Time Type:
Full time
-
Most Relevant Skills
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
-
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
-
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. 
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. 
 
View Citi&rsquo;s EEO Policy Statement and the Know Your Rights poster.</div>

Credit Risk Analyst - Institutional Credit Management Underwriting

<div>At EY, we&rsquo;re all in to shape your future with confidence. 
 
We&rsquo;ll help you succeed in a globally connected powerhouse of diverse teams and take your career wherever you want it to go. 
 
Join EY and help to build a better working world. 
 
The opportunity
 
 
EY is a global leader in Assurance, Consulting, SaT (Strategy &amp;Transactions) and Tax services. 
 
Enabled by data, AI and advanced technology, EY teams help clients shape the future with confidence and develop answers for the most pressing issues of today and tomorrow. The insights and quality services we provide help build trust and confidence in the capital markets and in economies the world over. Our offices around the world use the same methodology and are linked through an integrated technology platform to enable instantaneous communication and collaboration among team members, regardless of location. As a member of EY Global, in T&uuml;rkiye we operate in 6 offices located in &#304;stanbul, Ankara, Bursa, &#304;zmir and Adana, with more than 1800 people for over 40 years. 
 
At EY, we empower our 400.000 people in more than 150 countries with the right mindsets and skills to navigate what&rsquo;s next, become the transformative leaders the world needs, pursue careers as unique as they are, and build their own exceptional EY experiences. We work together across our full spectrum of services and skills so that business, people and the planet can thrive together. 
 
Together, all in, to build a better working world. 
We are seeking for Senior Consultant to join our Financial Services Risk Management team with the following qualifications;
What We Look For<ul><li>
A relevant university degree, preferably in finance, mathematics, statistics, economics, engineering or a related discipline; an MBA or MS preferred</li><li>
At least 3 years of relevant experience in banking/capital markets at a commercial bank with a well developed credit risk management infrastructure or comparable experience working as an advisor to a financial services company</li><li>
Experience in the areas of credit risk management, risk rating systems, model validation, IFRS 9 impairment models, Basel IV, climate related financial risks, regulatory capital and/or capital markets</li><li>
Experience in the areas of credit decision systems, credit risk and collection strategies, limit and income estimation models</li><li>
Strong analytical and problem solving skills and demonstrated knowledge in credit risk measurement and management</li><li>
Experience in any of the following software development environments: R/Python/SQL/SAS etc.</li><li>
Broad consulting and project management skills, effective written and oral communication skills,</li></ul> 
Your Key Responsibilities 
Serve as an integral member of an engagement team by supporting many aspects of client advisory projects. Develop your personal and business skills and embrace technical excellence by working on challenging projects with some of the most well-known financial institutions as well as through our extensive learning and development programs. 
 Advise clients on a number of credit risk related topics. These areas include:<ul><li>
Credit risk modelling and validation (incl. Probability of Default and Loss Given Default estimation)</li><li>
Quantitative methods and tools supporting credit risk measurement</li><li>
IFRS 9, Basel IV, BRSA guidelines and other regulatory requreiments</li><li>
Climate related financial risks</li><li>
Credit decision system design &amp; implementation</li><li>
Credit policy development and process enhancement</li><li>
Credit risk monitoring and early warning systems</li><li>
Credit risk measurement (asset and portfolio level)</li><li>
Regulatory reporting</li></ul> 
What We Offer You 
 
At EY, we&rsquo;ll develop you with future-focused skills and equip you with world-class experiences. We&rsquo;ll empower you in a flexible environment, and fuel you and your extraordinary talents in a diverse and inclusive culture of globally connected teams. Learn more. 
 
Are you ready to shape your future with confidence? Apply today. 
 
To help create the best experience during the recruitment process, please describe any disability-related adjustments or accommodations you may need. 
 
EY | Building a better working world 
 
EY is building a better working world by creating new value for clients, people, society and the planet, while building trust in capital markets. 
 
Enabled by data, AI and advanced technology, EY teams help clients shape the future with confidence and develop answers for the most pressing issues of today and tomorrow. 
 
EY teams work across a full spectrum of services in assurance, consulting, tax, strategy and transactions. Fueled by sector insights, a globally connected, multi-disciplinary network and diverse ecosystem partners, EY teams can provide services in more than 150 countries and territories.</div>

EY Türkiye - Credit Risk Senior Consultant

<div>The Credit Portfolio Intermediate Analyst is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to clients and counterparties globally. 
 
Responsibilities:<ul><li>
Resolve issues and recommend solutions to moderate problems</li><li>
Integrate specialty area knowledge with an understanding of industry standards and practices and how teams collaborate to accomplish goals of the sub-function/ job family</li><li>
Serve as an industry expert and advisor</li><li>
Analyze and approve counter-party credit limits for trading, transactional and financing businesses with funds</li><li>
Develop risk management framework and processes for funds</li><li>
Advise businesses and clients on transaction structures and negotiate credit terms</li><li>
Has the ability to operate with a limited level of direct supervision.
</li><li>Can exercise independence of judgement and autonomy.
</li><li>Acts as SME to senior stakeholders and /or other team members.</li><li>
Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.</li></ul>
Qualifications:<ul><li>
4 + years Experience in financial analysis, accounting and valuation</li><li>
Consistently demonstrate clear and concise written and verbal communication</li></ul>
Education:<ul><li>
Bachelor's degree/University degree or equivalent experience</li></ul>
-
Job Family Group:
Risk Management
-
Job Family:
Portfolio Credit Risk Management
-
Time Type:
Full time
-
Most Relevant Skills
Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
-
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
-
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. 
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. 
 
View Citi&rsquo;s EEO Policy Statement and the Know Your Rights poster.</div>

Credit Risk Analytics Inmd Analyst

EMKAN | إمكان

<div>
 
 Job Brief:
 
 
 This role is pivotal in driving the design, development, implementation and maintenance of mission-critical financial systems, including loan origination, credit scoring, and core lending platforms. This role demands a deep understanding of software engineering best practices, systems architecture, secure coding, and experience in delivering robust, scalable, and high-performance solutions within the financial services domain. The ideal candidate will possess a blend of technical expertise, strategic vision, and leadership acumen.
 
 
 
 
 
 Responsibilities:
 
 <ul>
 <li>
 Manages the process of identifying and assessing the risks affecting the credit Risk.
 </li>
 <li>
 Assists in developing mitigation strategies for risks related to Loan origination and monitoring these risks.
 </li>
 <li>
 Ensuring lending process are in line with all regulations in place.
 </li>
 <li>
 Review of Credit Applications to be forwards for Chief Risk Officer as per underwriting policies in place and analyses all expectations shared with the CRO
 </li>
 <li>
 Ensuring consistency in evaluation and reporting of Risk.
 </li>
 <li>
 Producing the risk reports to all stakeholders on a regular basis.
 </li>
 <li>
 Organizes appropriate risk reporting, internally and externally.
 </li>
 <li>
 Gathering, reviewing and analysing evidence to build an awareness and understanding of changes taking place, or proposed to all related stakeholders.
 </li>
 <li>
 Document, and ensure communication of key risks. Maintains the communications channel with operations
 </li>
 <li>
 Maintain input or data quality of risk management systems.
 </li>
 <li>
 Monitoring of external indicators and market developments.
 </li>
 <li>
 Performs testing for New Products and performs PIV for every change in the Core system / Decision engine
 </li>
 <li>
 Ensuring of escalation mechanisms are established and are being used
 </li>
 <li>
 Maintain input or data quality of risk management systems.
 </li>
 <li>
 Monitoring of external indicators and market developments.
 </li>
 <li>
 Performs testing for New Products and performs PIV for every change in the Core system / Decision engine
 </li>
 <li>
 Ensuring of escalation mechanisms are established and are being used
 </li>
 <li>
 Manage employee performance and development by assigning individual performance targets and development objectives at least on an annual basis.
 </li>
 <li>
 Direct and supervise the activities and work of subordinates by providing formal and informal feedback regularly and on a timely basis, to ensure that all work is carried out in an efficient manner and in accordance with set individual targets
 </li>
 <li>
 Adherence to all regulations and control function within the company in order to ensure that governance, Audit, risk and compliance matters are carried out.
 </li>
 <li>
 Fully adherence to the cybersecurity policies, processes, standards and regulations.
 </li>
 <li>
 Ensure preparation of reports in a timely and accurate manner to meet the departmental requirements.
 </li>
 <li>
 Responsible for confidentiality of EMKAN&rsquo;s at during employment with EMKAN.
 </li>
 </ul>
 
 
 
 
 Qualification and Experience:
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in Finance, Business Administration, or any other relevant field (Master&rsquo;s degree is preferred).
 </li>
 <li>
 Minimum of 6-8 years of relevant experience.
 </li>
 <li>
 Prior Experience in lending products.
 </li>
 <li>
 Prior Experience in Auto lease, Credit Cards and SME
 </li>
 </ul>
</div>

Credit Risk Associate Manager

<div>Whether you&rsquo;re at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you&rsquo;ll have the opportunity to expand your skills and make a difference at one of the world&rsquo;s most global banks. We&rsquo;re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You&rsquo;ll also have the chance to give back and make a positive impact where we live and work through volunteerism.
Institutional Credit Management's (&ldquo;ICM&rdquo;) mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to Independent Risk and Banking, shared commitment to ensuring the safety and soundness of wholesale lending across ICG. 
ICM Risk Analysis Credit Risk Senior Analysts are responsible for a portfolio of ICG Risk Relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. That includes the production of Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Transactions and Portfolio &amp; Industry Reviews and Stress Testing. 
This role has responsibility for the portfolio of Western Europe Corporate Relationships and the role reports directly to the ICM - Commodities Credit Risk Team Lead. 
In this role, you&rsquo;re expected to: 
<ul><li>
Assess the credit and financial strength of Citi&rsquo;s Large Corporate Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors</li><li>
Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Citi&rsquo;s Counterparties based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite</li><li>
Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Credit Risk Team Leads, ICG Risk and Banking partners
</li><li>Partnership with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios
</li><li>Support ICM Risk Analysis Voice of the Employee (VOE) initiatives
</li><li>Travel (less than 10%)</li></ul> 
As a successful candidate, you&rsquo;d ideally have the following skills and exposure:
<ul><li>Demonstratable financial services experience, including 3-5 years of credit experience in Banking, Credit Risk Management or equivalent credit experience (candidates with background in commodities, energy and natural resources preferred)
</li><li>Knowledge of Wholesale Credit Processes and organizational awareness including IRAU functions, covered portfolios, and processes</li><li>
Understanding of policies and procedures with the ability to execute change seamlessly
</li><li>Intermediate analytical skills, including an understanding of key financial components (liquidity position, leverage profile with the ability to identify root causes and trends and anticipate horizon issues</li><li>
Thorough knowledge of Citi&acute;s systems
</li><li>Experience in preparing presentations for seniors</li><li>
Awareness and adherence to the control environment including Quality Assurance and Quality Control</li><li>
Assists colleagues in identifying stretch opportunities to elevate individual and team performance</li><li>
Proven culture carrier</li><li>
Interpersonal skills, with the ability to build relationships and exert influence with and without direct authority</li><li>
Organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
</li><li>Written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority</li><li>
Microsoft Office (Word, Excel, and PowerPoint) skills</li></ul> 
Education:<ul><li>
BCOM/CA or higher degree in Business (MBA), or any other related subject</li></ul>
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
-
Job Family Group:
Risk Management
-
Job Family:
Credit Risk
-
Time Type:
Full time
-
Most Relevant Skills
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
-
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
-
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. 
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. 
 
View Citi&rsquo;s EEO Policy Statement and the Know Your Rights poster.</div>

Wholesale Credit Risk Intermediate Analyst – Commodities – Officer

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