Credit Risk Analytics Manager

2 weeks ago

noida, India Amplifi Capital Full time

About Us:

Amplifi Capital (U.K.) Limited is a dedicated consumer lending platform that specializes in offering unsecured personal loans. We primarily focus on serving near prime consumers who often encounter hurdles accessing credit from traditional high street banks. Our commitment lies in providing accessible financial solutions to bridge the gap in the lending landscape.

At the heart of our operations in Noida, Uttar Pradesh lies Gojoko, a bespoke fintech platform tailored to meet the unique needs of Credit Unions. This comprehensive system encompasses the entire spectrum of savings and loans, integrating best-in-class software suppliers like Mambu, Modulr, ADP, AWS, among others.

Building on the success of our ecosystem, we proudly introduced ReevoMoney, a consumer-facing brand operating with its own balance sheet. ReevoMoney caters to a wider customer base, offering innovative financial solutions.

People always come first at Gojoko Technologies.. From how we engage with our customers to the thorough recruitment process. Our journey is just getting started, the business has attracted amazing talent so far, and we don’t plan on stopping yet

The Role:

The Credit Risk function is an integral part of the business and ensures all strategies and programs operate in a compliant manner and the growth does not come from taking undue risks. The Credit Risk team is responsible for designing and managing credit risk policies, procedures and strategies related to Underwriting, Pricing, Collections, Fraud and Responsible lending across a growing portfolio of lending products.

As the Credit Risk Manager, you will be directly reporting to the Credit Risk Director of Amplifi and would be responsible for hiring, mentoring a team of credit risk analysts to deliver on the company’s growth agenda while making sure delinquencies, defaults and Risk is in control.

Responsibilities:

  • Set out the vision and analytical agenda for the team that helps deliver the overall business goals
  • Hire, train, mentor and grow Credit Risk team
  • Conduct deep-dive analysis to identify areas within portfolio or products that could be improved to increase efficiency, drive better customer outcomes and generate value
  • Design credit risk strategies and decision models covering Loans and Credit Cards
  • Present analysis and insights directly to the C-level execs in Amplifi and Credit Unions
  • Drive the agenda to incorporate new data sources and new insights into the credit, responsible lending and collection strategies. Working closely with model developers, tech and product teams.
  • Conduct hands-on data analysis, as and when required, to achieve the above objectives

Requirements

This is a high impact role in a fast growing business and hence the ideal candidate would be someone who is:

  • Data led and tech savvy, ability to assess and interpret credit data and derive meaningful insights
  • Great communication skills, works well in and enjoys being part of a fast growing dynamic team
  • Great analytical eye, able to quickly interpret data and understand the commercial impact
  • Self-motivated, passionate and loves to take ownership and lead a team
  • Not afraid of being hands-on and possess a roll-up-your-sleeves attitude to get things done
  • Have excellent communication and  stakeholder management skills
  • Looking for a fast-paced environment where you will make a meaningful impact on customers, our company and the UK loans and credit card markets
  • Growth mindset, we like to see people develop and progress, this is a massive growth area for the business and for the right candidate
  • Passionate about making a difference

To be successful in the role, the candidate should:

  • Have a degree in a numerate discipline (Engineering, Finance, MBA, Science) from a top-tier college
  • Ideally have 5+ Years of experience in Analytics, Data Science or Data-driven Strategies,
  • Have experience in coding and data manipulation using SQL or SAS or Python. Be aware of statistical techniques, and have an understanding of statistical models especially ones related to Credit Risk (PD, EAD, LGD, Behavioural scores)
  • Have a detailed understanding of Retail banking industry, and Credit Risk modelling and strategies for Loans and Credit Cards. Strong understanding of credit risk drivers like roll rates, credit files, collections initiatives
  • Experience with UK markets would be preferred
  • Be able to translate business problems into conceptual analytical problem statements, identify relevant data sources, analyse data, and communicate the ‘so-whats’ and actionable insights in a simple manner
  • Have experience working within digital products and of Agile project methodology

Benefits

  • Competitive salary
  • 25 days annual leave
  • Gratuity (as applicable)
  • Medical insurance
  • Subsidized Taxi Fares
  • Thursday snacks for employee

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