Deskripsi Pekerjaan
Are you an experienced risk professional looking to make a strategic impact in the financial sector? Nezda Technologies is seeking a high-caliber Credit Risk Policy Manager to join our team in Taguig City. In this pivotal role, you will be the architect of our credit risk framework, driving the development, implementation, and governance of robust credit risk policies that balance growth with prudent risk management.
The ideal candidate will possess a deep understanding of financial markets, regulatory requirements, and portfolio dynamics. You will work closely with cross-functional stakeholders to refine underwriting standards, enhance portfolio controls, and provide data-driven insights that steer executive decision-making. This is a unique opportunity to lead critical risk initiatives within a dynamic environment where your expertise directly influences the company's financial health.
Tanggung Jawab
- Develop, maintain, and socialize comprehensive credit risk policies and standards across various product lines.
- Lead the governance of underwriting guidelines to ensure alignment with risk appetite and regulatory compliance.
- Analyze portfolio performance data to identify emerging risks and recommend proactive adjustments to credit strategies.
- Design and implement robust portfolio controls and monitoring mechanisms to mitigate credit exposure.
- Collaborate with product, sales, and operations teams to balance competitive market positioning with risk sustainability.
- Prepare high-level reports for senior management detailing risk trends, policy effectiveness, and recommended strategic pivots.
- Ensure strict adherence to local and international financial regulations and audit requirements.
Kualifikasi
- Bachelor’s degree in Finance, Economics, Statistics, Mathematics, or a related quantitative field; Master’s degree or CFA/FRM certification is highly preferred.
- Minimum of 5-8 years of experience in credit risk management, policy development, or portfolio analytics within the banking or financial services industry.
- Expertise in interpreting credit risk metrics (PD, LGD, EAD) and underwriting process optimization.
- Advanced proficiency in data analysis tools (e.g., SQL, SAS, Python, or R) and MS Excel.
- In-depth knowledge of local financial regulatory frameworks and Basel III/IV standards.
- Proven ability to influence stakeholders and communicate complex risk concepts to non-technical audiences.
- Strong analytical mindset with a track record of identifying actionable business insights from complex data sets.