Credit Manager/Credit Analyst Lupiya

Welcome to your Assessment for a Credit Manager/Credit Analyst

Job description: The Senior Credit Manager/Analyst will be responsible for credit management which includes making all lending decisions on behalf of Lupiya.

Responsibilities:

Optimize risk, return and customer outcome tradeoffs through developing credit strategies across the various marketing channels, products and segments.
Identify and implement opportunities to expand lending profitably.
Oversee acquisitions underwriting policy including approve/decline, credit line assignment, pricing and term length.
Differentiate credit policy for repeat customers.
Develop pre-qualification process to determine which customers need banking validation.
Drive growth through higher approval rates, higher loan sizes and expanded target population while still maintaining cash collection targets.
Build acquisitions underwriting policy including approve/decline, credit line assignment and pricing.
Provide information to regulators
Build customer management programs to expand and deepen relationships with target customers, including credit line increases, product graduation and more
Develop programs to mitigate high risk customers and actions, such as credit line decreases, payment float, authorizations, etc.
Guide launch strategy to appropriately balance growth and risk management.
Establish processes in terms of how changes to credit strategy, policies and other decisions that impact credit quality should be made.
Define and implement appropriate documentation and scenarios to be evaluated.
Serve as the customer for predictive models, partnering with data scientists to ensure new and refit models are in place as needed to enable the business strategy.
Lead regular strategy changes to respond to changes in the external environment, new initiatives, variances from expectations and other drivers.
Define appropriate risk boundaries and risk appetite that will enable the business to assume a heavily growth-oriented approach that enables future learnings while still protecting against large negative outcomes under various scenarios.
Identify emerging trends in portfolio performance and the competitive environment.
Lead regular strategy changes to respond to changes in the external environment, new initiatives, variances from expectations and other drivers

Requirements:

The Credit Manager/Analyst should have the following skills, education and experience:

Proven work experience as a Credit Manager, Credit Analyst or similar role
Hands-on experience with accounting software
Solid understanding of lending procedures
Excellent analytical skills, with the ability to create and process financial spreadsheets (e.g. in Excel)
Negotiation skills
BSc in Accounting, Economics, Banking and Finance or relevant field