Credit Risk Manager

About the Role

KOHO Financial is looking for a dynamic Credit Risk Manager to join our growing team. Reporting to the Senior Manager of Credit Risk, this role will contribute to the overall success of the Risk Team at Koho ensuring Credit Risk initiatives are executed and delivered in support of companies overall business strategies and objectives. This role offers a broad base of exposure in risk management, with an opportunity to make a significant impact within our organization.

What You'll Do

Reporting:

• Develop and produce weekly, monthly, and quarterly reports detailing key financial and risk metrics at both product and portfolio levels.
• Track and evaluate the performance of Key Performance Indicators (KPIs) relevant to the business.
• Extract insights from reports and communicate findings to the leadership team.
• Represent the credit risk function and collaborate with key stakeholders (e.g., Product, Finance, Data, Engineering) to understand reporting requirements and improve reporting processes.

Predictive Modelling / Model Validation and Model Monitoring:

• Develop credit risk models (behavioural/adjudication) in compliance with company policies.
• Construct models for forecasting losses.
• Monitor the performance/effectiveness of existing credit strategies and suggest edits, if and when required.

Strategy Development:

• Actively participate in addressing business objectives and formulate strategies for acquisition and account management.
• Monitor the effectiveness of current credit strategies and enhance them by exploring new and alternative data sources.

Analysis:

• Unlock insights from complex and diverse groupings of internal and external data, and tell a story with the data that enables enlightened decision-making
• Present findings to the leadership team

What You'll Bring

• Bachelor's degree in a quantitative field, economics, business, engineering, or equivalent
• 3+ years of experience in data analysis, strategy development, reporting and model building preferably in BFSI industry
• Experience in machine learning and developing predictive models, with a track record of implementation
• Knowledge and experience in loan loss forecasting, loss provisioning
• Proficiency in Data Visualization tools such as Tableau or PowerBI or Sigma to create informative dashboards
• Strong team player with excellent interpersonal, organizational, and communication skills
• Exceptional analytical and problem-solving abilities
• Organized multi-tasker with demonstrated expertise using tools to manipulate and prepare huge sets of data for analysis
• Ability to work independently and collaboratively within a team environment
• Proficient in programming languages such as SQL and Python

Bonus Points

• Familiarity with data from monoline lenders or fintechs
• Experience with alternative data or Non-Prime lending
• Experience with cloud-based platforms such as AWS or GCP