Credit Risk Manager

SUMMARY:

POSITION INFO:
Key Responsibilities Develop, maintain and enhance credit policies and lending strategies. Monitor portfolio performance and identify opportunities to improve credit outcomes. Drive risk-based pricing, credit limit and cut-off strategy reviews. Design and evaluate credit experiments to optimise profitability and customer performance. Analyse repayment behaviour, portfolio trends and emerging credit risks. Partner with stakeholders across Data, Technology, Finance and Operations teams to implement credit strategy improvements. Translate analytical findings into practical business recommendations. Review and monitor provisioning methodologies and portfolio loss performance. Present recommendations and portfolio insights to senior stakeholders. Ensure responsible lending practices while supporting business growth objectives. Minimum Requirements Qualifications Degree in Statistics, Actuarial Science, Mathematics, Economics, Finance or another relevant quantitative discipline. Experience 5+ years' experience within Credit Risk. Proven experience in consumer lending or retail credit environments. Strong exposure to credit strategy, credit policy and portfolio management. Experience managing: Credit limits Scorecard cut-offs Risk-based pricing Credit decisioning strategies Portfolio performance monitoring Previous experience conducting credit strategy testing and experimentation would be advantageous. Technical Skills Advanced SQL and/or Python skills. Strong data analysis and modelling capabilities. Experience working with large datasets. Solid understanding of: Credit risk management Portfolio analytics Credit scoring methodologies Risk-based pricing Profitability optimisation The ideal candidate will demonstrate: Strong commercial acumen. Excellent analytical and problem-solving abilities. Ability to influence and engage senior stakeholders. Strong communication and presentation skills. Strategic thinking coupled with strong attention to detail. Ability to work in a fast-paced and evolving environment. Collaborative approach with a strong team orientation. Apply now! For more exciting Actuarial and Analytics vacancies, please visit: I also specialise in recruiting in the following: Actuarial Data Analytics Quantitative Specialists Product Development Pricing Valuations Market Risk Credit Risk If you have not had any response in two weeks, please consider the vacancy application unsuccessful. Your profile will be kept on our database for any other suitable roles / positions. For more information, contact: Zahrah Gani Specialist Recruitment Consultant Connect with me on LinkedIn: