Post-Loan Credit Risk Portfolio Management Policy & Strategy

Key Responsibilities:

• Own portfolio risk strategy after loan origination.
• Develop limit management and customer lifecycle strategies.
• Design transaction monitoring and behavioral risk strategies.
• Optimize early warning systems and portfolio monitoring.
• Develop collection segmentation and recovery strategies.
• Recommend strategy adjustments based on portfolio performance.
• Partner with Collections, Business, Operations and Data.

Requirements:

• 6–10+ years in Portfolio Risk Management, Behavioral Strategy or Collections Strategy.
• Strong understanding of customer lifecycle management.
• Experience in unsecured retail lending.
• Strong SQL and analytical capability.
• Experience in portfolio optimization and recovery strategy.
• IFRS9/ECL knowledge is a plus.