As a Credit Risk & Process Analyst, you will be the architect of our credit risk assessment solutions for the SME, Micro and Retail digital lending space. Your primary mission is to translate deep credit risk knowledge into best-in-class digital risk assessment concepts. Leveraging your expertise in credit policies, scoring, and capacity assessment - you will define requirements and design efficient, automated workflows for credit risk decisioning. You will serve as the crucial bridge between our Risk, Business, and IT teams, ensuring that complex risk principles are clearly understood and flawlessly implemented. From initial concept and documentation to testing, validation, and post-launch monitoring, you will take care of the end-to-end process lifecycle, driving the innovation that keeps our lending solutions competitive and compliant.

Key Responsibilities:

• Credit Risk Policy and Process Definition: Leverage your deep knowledge of credit risk processes and policies (including scoring and credit capacity) to define business requirements and guide the development of solutions that align with industry best practices and regulatory guidelines.

• Requirements Preparation: Design, collect, define, and document credit risk requirements, ensuring they are fully understood and implemented in the development of credit risk solutions.

• Recognition of Market Standards: Identify market standards in credit risk assessment - recognising potential for designing of fully automated processes

• Cross-Department Collaboration: Facilitate communication and collaboration across Risk, Business, and IT teams, ensuring that both business and technical teams understand credit risk policies and requirements.

• Process Design & Optimization: Co-design and optimize credit risk processes, applications, and workflows to improve efficiency, compliance, and risk management.

• Solution Testing & Validation: Support testing and validation of solutions to ensure that they meet both business requirements and credit risk standards. Provide feedback for improvements and adjustments.

• Implementation Support: Prepare and maintain internal documentation for the implementation phase, supporting a smooth deployment and ensuring that all necessary steps are followed.

• Ongoing Monitoring & Maintenance: After implementation, assist in the monitoring and maintenance of credit risk processes, ensuring continuous alignment with evolving business needs and regulatory requirements.
  
  
  

• Strong understanding of credit risk processes, policies, scorings and decisioning rules.

• Understanding of SME segment: Design credit capacity methods considering common financials data sources and taxation rules.

• Ability to define key elements for automated or semi-automated credit risk assessment purpose, manage timelines, and ensure deliverables meet expectations, while working with both business and technical teams.

• Experience in preparing detailed documentation for credit risk processes, requirements, and project progress.

• Solid experience in the banking or financial services sector, with a focus on credit risk management. 

• Proficiency in SQL to analyze data and ensure alignment with business and risk requirements.

• Strong analytical, problem-solving, and critical thinking skills, with the ability to assess risk and define business solutions.

• Education: degree in Finance, Statistics, Computer Science, Mathematics, Econometrics, or a related field.

• Fluency in English: Strong communication skills, both written and verbal, to effectively collaborate with cross-functional teams and stakeholders.

Diverse teams really are the best teams. Research shows that some candidates may hesitate to apply for a job unless they meet every requirement. If you are excited about working with us, we encourage you to apply - even if you're not 100% sure. We are interested in getting to know you and learning about what you bring to the table.

Please note that we may close a job posting early if we receive a large number of exceptional applications.

Good luck!