Home Credit - Risk Portfolio Manager

Organizational Structure

Reports to : Chief Risk Offices

Manages : Porfolio Analysis

Co-operates with :

- Credit risk: Undewriting, Anti-fraud, Collections

- Sales

- Marketing & Products

- Operations

- Finance

- IT

Objective :

- Develop and maintain sound portfolio management

- Create portfolio behavioral models, calculation of expected loss levels

- Identify trends and factors which influence portfolio quality

- Manage implementation of credit monitoring tools and systems

- Work closely with Collection and UW teams in developing and enhancing products and channels

- Providing data extraction and analysis to support decision making

- Building the monitoring and reporting processes embedded as part of this framework

Key responsibilities / duties :

Portfolio Management :

- Analysing and monitoring loan portfolio performance, propose changes based on these analysis

- Identify and measure the dependencies of portfolio behaviour

- Prepare and document policy changes or new products in cooperation with Risk units and other departments

- Performing stress test on portfolio models

- Developing standardized regular and ad-hoc reporting for various levels of management

- Providing data extraction, analysis and visualization to support company-wide decision making

- Communication with Finance on conciliation of risk related financial metrics

- Propose challengers to existing strategy, document it and evaluate performance

- Forecast, planning, budgeting for Risk department, track actual spend against budget, calculate risk losses

- Cooperate on risk related projects

Communication :

- Regular communication with Underwriting, Anti-fraud and Collections Manager

- Regular update of CRO about activities and initiatives

- Escalate risks and issues to appropriate level of management

- Effectively communicate relevant information to CRO and to Headquarters

Experience and expertise :

Need-to-have areas :

Educational Qualifications : University degree in Economics or Mathematics/statistics

Knowledge / Experience :

- Banking or Consumer Finance background

- Excellent knowledge and practical experience in risk strategy, processes, procedures, portfolio analysis and reporting

- Expertise in working with Oracle database (PL/SQL) and Oracle BO and BIEE

- Advanced knowledge of MS Office (especially Excel - macros, formulas, VBA; PowerPoint, Word)

- Advanced financial and analytical thinking

- Fluent in English

- Communication and presentation skills

- Minimum of 5+ years proven experience in Risk management position

Nice-to-have areas :

- Financial planning and profit and loss models

- Knowledge of the Indian finance industry

- Knowledge of anti-fraud and collections management

Personal characteristics :

Need-to-have areas :

- Structured, strong analytical skills

- Systematical approach and structural thinking

- Strong, determinate, meeting agreed deadlines

- Flexible and adaptable for changes

- Creative to solve problems, pro-active

- Accuracy, discreetness and self-reliance

- Open-minded and innovative

- Cooperative and supportive

- Reliable

- Able to work under pressure

- Effective communication skills - written and verbal

- Planning and organizing

- Ability to prioritize and delegate tasks

- Willingness to live in India during assignment.

Nice-to-have areas :

- Knowledge of Hindi

- Knowledge of Asia/Indian culture and mentality

- Friendly, team-oriented