Award-winning executive recruitment company, Monroe Consulting Group, is recruiting on behalf of a prestigious company focused on digital finance, consumer finance, digital assets, and a pioneering new business models in the fintech market.This position will be responsible for analyzing the credit portfolio to identify risks and potential exposures, ensuring a proactive approach to managing credit performance across all subsidiaries in response to economic shifts and market trends.Job Responsibilities
Perform comprehensive analysis of the credit portfolio to pinpoint risk concentrations and potential vulnerabilities.
Monitor the credit performance of all subsidiaries, evaluating the impact of macroeconomic factors and market trends on portfolio stability.
Formulate and execute risk mitigation strategies to manage and minimize risks associated with the credit portfolio.
Recommend portfolio diversification approaches to reduce risk through a balanced mix of credit products and targeted customer segments.
Conduct stress testing and scenario analysis to assess the potential effects of adverse situations on the credit portfolio.
Utilize insights from these analyses to improve risk management practices and refine methodologies for risk assessment.
Evaluate the effectiveness of credit portfolio management across lending subsidiaries, particularly in areas of model risk management, Expected Credit Loss provisioning, and Model Overlays.
Job Requirements
Understanding of regulatory frameworks and compliance standards relevant to credit risk (e.g., Basel III, IFRS 9).
Strong quantitative and analytical skills, with experience in portfolio risk assessment, Expected Credit Loss (ECL) modelling, and scenario analysis.
Credit risk management, portfolio management, or financial analysis, ideally within fintech, banking, or digital finance environments.
Flexibility to work in a dynamic, fast-paced environment setting, adapting to new financial products, technology trends, and emerging risks
