[ref. h20301521] Credit Risk & Portfolio Analysis

This a Full Remote job, the offer is available from: Philippines

Company description

Netbank is a start-up fintech led bank, focused on the under-served. Its model is to:

• Partner with Fintechs, banks and non-bank lenders, who have existing client networks
• Allow these partners to sign-up clients, for an origination fee, booked on Netbanks balance sheet. Netbank would provide:
• Loans to clients, so the partners can grow without raising additional capital
• Deposit accounts for clients, serviced by the partner (on a white-label basis)
• Technology services to the partners, allowing them more efficient processing and better client satisfaction
• Provide banking service through APIs.

Netbank will initially operate in the Philippines, but the business model is applicable across multiple geographies. See www.netbank.ph

• Develop credit risk tools (credit scoring, collections data, etc.)
• Review alternative providers
• Assess based on effectiveness
• Manage relationships
• Loan governance and Policy development
• Manage the banks' credit risk committee
• Define loan acceptance criteria
• Onboarding
• Conduct initial risk assessment
• Review partner risk reviews. Assess loss rates and profitability
• Propose loan acceptance criteria for each partner
• Credit risk optimization
• Build databases to allow statistical analysis of historical loan performance to identify criteria that predict loan loss. Maintain and update these models
• Conduct loan reviews / Develop an understanding of the underlying causes of risk for each type of loan
• Assess lending criteria/loan acceptance criteria for individual loan programs
• Lending process optimization
• Review lending processes to understand issues that take time, and slow the process
• Review and optimise the process
• Remove credit risk mitigation process steps that are not bringing value
• Support projects to develop additional products for lenders
• Review providers of data to reduce credit risk (CIC, alternative data sources, etc.). Create business cases for these partners
• Identify credit decision tools
• Lead projects to implement these tools

The position will be based in Manila, but remote working is possible. It will initially report to the CEO and Founders of the bank.

• Good credit quality of the portfolio
• Good relationship with partners

• Filipino or foreign national
• Bachelor's Degree, preferably in Business
• Administration/Commerce, Business Management, Economics,
• Financial Management or their equivalent.
• Strong capabilities in maths is vital.
• 3-5 years experience in credit risk assessment especially in consumer and SME lending - preferably within a foreign bank
• Knowledgeable in retail risk management
• Good oral and written communication

• Pro-active approach to reforming credit risk
• Awareness of profitability. Willingness to take action to increase profitability
• Detail and process-orientated, ensuring complete execution of loan acceptance criteria and credit policies
• With strong analytical skills, especially numerical analysis.
• Judgement to identify the impact of analytical findings
• Can work independently and proactively. Results-oriented
• Ability to multi-task and work under pressure.
• Professionalism at the highest level.
• Energetic and positive

This offer from "Netbank" has been enriched by Jobgether.com and got a 78% flex score.