Senior Risk Analyst: Credit

at  BigTalent

Attention: Experienced Credit Risk Analysts!
Are you ready to take your career to the next level? Do you thrive in dynamic environments where your expertise makes a significant impact? If so, we have an exciting opportunity for you!
Join our esteemed team at one of the leading financial institutions in the industry. As a Senior Risk Analyst, you will play a crucial role in assessing, analyzing, and mitigating risks within our clients’ organization, particularly in the domain of Merchant Cash Advances (MCAs) offered to small and medium enterprises (SME) merchants.
If you have a keen understanding of micro and macro market indicators, risk management principles, and regulatory requirements, this position is tailor-made for you. You will have the opportunity to collaborate with cross-functional teams, develop and maintain risk models, and contribute to the strategic direction of our portfolio.

REQUIREMENTS:

• Degree in mathematics, statistics, data science, or a related quantitative field.
• At least 5 years of experience in credit risk analysis within retail, insurance, or financial services.
• Strong understanding of IFRS9 principles and their application to credit risk management, including Expected Credit Loss (ECL) calculations and impairment assessment methodologies.
• Strong analytical skills with the ability to interpret complex financial and trade data and make informed decisions.
• Excellent communication and presentation skills, with the ability to convey complex concepts to non-technical stakeholders.
• Proven leadership abilities with experience in guiding and mentoring junior team members.
• Ability to thrive in a fast-paced, dynamic environment and manage multiple priorities effectively.
• Familiarity with SME lending practices and challenges, including industry-specific risk factors, is highly desirable.
• Proficiency in software tools such as Databricks, SQL, R, or Python
  Join us and be part of a dynamic team driving innovation and excellence in risk management. Apply now and take the next step in your career journey

• Monitor the performance of SME portfolios, identifying trends and potential risks, and recommending appropriate risk mitigation strategies.
• Manage the strategic direction of the portfolio by balancing both risk and sales objectives.
• Collaborate with cross-functional teams including finance, operations, and compliance to ensure alignment with risk management objectives.
• Prepare and present reports to senior management, highlighting key risk metrics, trends, and recommendations.
• Develop and maintain risk models and methodologies to quantify and manage credit risk exposure.
• Develop stress testing scenarios and sensitivity analyses to assess the resilience of the SME portfolio under various economic conditions.
• Stay updated on changes to regulatory frameworks, particularly IFRS9 requirements, and ensure compliance in credit risk management practices and reporting.
• Provide guidance and mentorship to junior analysts, fostering a culture of continuous learning and development within the team.