Join a global team working on a digital lending product and navigate the company to stay on the safe side while ensuring the profitable growth of the customer base. Let’s talk about the position of a:
Senior Credit Risk Manager
Ref. no: SCRM/08/2024/W
💯 You will own the entire credit cycle from application initiation to money disbursement and collection for the digital business.
🌍 Be a part of the global risk hub and take ownership of the credit risk processes for the dedicated markets: Baltics (Latvia, Estonia, Lithuania).
📍 Warsaw, hybrid work model.
Your role:
✨ Taking a test-and-learn approach towards the creation and governance of credit processes, being quick to tighten, relax or challenge credit and fraud controls where they are not in support of the business strategy.
✨ Taking ownership of the rules, models, decisions, and automated systems across the credit risk lifecycle.
✨ Maintaining and ensuring effective reporting on the credit systems in place, being open to challenge and feedback.
✨ Managing collection strategy and operations.
✨ Managing underwriting strategy and operations ensuring its focus on quality decisions while controlling costs related to customer assessment.
✨ Constantly evaluating the profitability of a product/channel and proposing actions to address any challenges or utilize opportunities, e.g. product parameters changes.
✨ Noticing key trends and patterns across the risk landscape and quickly acting upon them, getting a real buzz from recommending and implementing new strategies and approaches to further support customer growth.
✨ Building relationships with key partners, working with stakeholders from within the business and external to ensure you can acquire the right tools and processes to deliver the business plan.
✨ Put customer experience and innovation at the heart of the business processes – have this in mind when approaching all risk management activity.
What will help you get the job done:
💡 8+ years of experience in credit risk, including managing small teams.
💡Consumer credit experience in digital space (e.g. digital lending, non-banking financial institution, retail banking).
💡 Experience in successfully implementing credit risk systems.
💡 Knowledge of credit risk processes, credit scoring, and portfolio management.
💡 Previous experience working with a foreign market will be a strong plus, experience from the Baltics is not a requirement. You will have the support of the local team.
💡 Experience in building strong relationships with stakeholders and external partners.
💡 Exposure to working in an international business that works cross-culturally.
💡 Very good language skills in written and spoken English (C1) are essential.
💡Ability to effectively influence and challenge others.
💡Creativity and an aptitude for problem-solving.
Additionally:
✅ Good knowledge of collections systems and processes (would be a plus).
✅ Fraud management (ideally within a digital environment) – would be perfect.
We offer:
💎 Global exposure, working hand in hand with team members and customers from all around the world - possibility to travel.
💎 Opportunity to have a real impact on the business.
💎 Car allowance, all-you-can-eat fresh fruit daily, lunches at the expense of the company once a week, support of an active and healthy lifestyle (private medical care and life insurance), fun team events both in the office and after work.
💎 Do you prefer slippers instead of shoes or maybe you are expecting amazon delivery, no worries, hybrid work model gets you covered.
Hello! I’m Olga and I am responsible for this recruitment process. If you have any questions, please feel free to reach out. I will be happy to meet you!
Contact details:
👩💻 Olga Kamińska,
📧 e-mail:olga.kaminska@hrcontact.co,
☎️ +48 500 035 642.
