Credit & Portfolio Risk Analyst (m/f) | Hamburg
Descrizione
Join the financial revolution!
Join Kreditech and our team of over 300 professionals and become part of a transforming industry. From engineering, to design, to analytics, and collections, we do things differently and we reward great ideas, team-work, and persistence. We have a lot of work to do – and we want you to join us!
Your Role
- Monitor the Credit Risk performance of consumer loans products/portfolios. Conduct periodic reviews to assess businesses and provide an ongoing assessment of credit quality of the portfolio and product strategies;
- Enhance and improve the Credit Risk appetite framework, policies and strategies using statistical techniques to optimize business growth and profits by minimizing the credit losses;
- Lead tactical and strategic Credit Risk Analytics projects for the Business Intelligence and Underwriting department;
- Independently manage development and implementation of effective credit-risk monitoring and management strategies that help mitigate credit losses;
- Act as a primary Interface with the Senior Credit Risk Controller in the Finance department;
- Apply innovative analytical techniques to customer and transaction data to build risk mitigation strategies and processes;
- Apply subject matter expertise to the prioritization and planning of projects in conjunction with risk management policies and strategies;
- Effectively provide updates and communicate key initiatives to the Chief Data Officer who is in charge of credit risk management;
- Analyze tests and performance using SQL and decision trees;
- Evaluate the effectiveness of current policies and strategies.
Your Strengths
- You hold a Bachelor’s degree in a quantitative discipline: Mathematics, Economics, Operations Research, Statistics;
- You can develop and communicate analysis clearly;
- You have a good understanding of the Credit lifecycle and Collections/Recoveries;
- You have hands-on expertise in developing data-sets to produce credit risk indicators (e.g., delinquency performance by vintages, loss forecast by portfolio or account-level);
- You have the ability to work efficiently in a matrix environment balancing between both business and functional interactions and priorities;
- You have strong analytical skills in conducting sophisticated analysis using customer performance data, credit bureau/vendor data, and marketing data to solve business problems;
- You have good programming skills in advanced R or Tableau and SQL in mainframe, UNIX, and PC environments.
How to apply
We accept applications exclusively through our recruiting platform, found under the ‘Apply Now’ link.