The Group Retail Risk is responsible for Retail Lending Credit Policies, Retail Credit Decisioning Framework & Analytics, Collections & Bureau Strategies, and Retail Portfolio Monitoring and Risk Analytics covering Personal Loans, Auto Loans, Credit Cards, Mortgages, Overdraft, and Micro-SME.
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As part of a team of Analysts, Statisticians, and Database Managers, you will be tasked with devising, developing, and enhancing retail risk and portfolio Management Information Systems (MIS) and analytical reports. This includes building Collections models using machine learning techniques and designing and implementing comprehensive actionable strategies.
Job Content:
- Prepare and handle the monthly provisions for the company Retail portfolio, including calculations using data extracts and SAS codes.
- Reconcile numbers across different systems and sources to ensure accuracy, addressing discrepancies with Finance and IT teams.
- Conduct an end-to-end handling of the Loss Forecasting exercise, liaising with product teams for volume budgets and finalizing the loss forecast based on policy-related factors and current portfolio trends.
- Validate the loss forecast model and track actual performance against plans.
Collections Models and Strategy:
- Develop relevant segmentation and scoring models aimed at improving collections efficiency or increasing cash collection.
- Assist in the implementation of these models on the collections floor and align dunning strategies accordingly.
- Monitor and track the performance of implemented models and the effectiveness of rolled-out strategies, performing regular reviews and maintenance with the latest portfolio trends.
Portfolio and Risk Performance Monitoring:
- Conduct detailed portfolio deep dives to identify relevant patterns and concerning trends, leveraging AECB data to enrich portfolio monitoring and analytics.
- Generate Credit Cards CLI and Retail X-Sell based on agreed criteria and track pre- and post-performance.
- Prepare monthly retail portfolio packs with detailed segment level splits.
Education and Experience:
- Graduate degree or above.
- 3 to 5 years of experience in a related field.
Knowledge & Skills:
- Proficiency in SQL, SAS, Power BI, Python, and Microsoft tools.
Behavioral Competencies:
- Strong analytical skills and knowledge of retail asset banking products.
- Good problem-solving and communication skills.
- Basic knowledge of collections workflows.
