Global Risk Leader, EasyBuy at Greenlight Planet

The ideal candidate will have experience working in a large, sophisticated credit granting or risk management function within a major consumer card, financial services, rural bank and/or micro-finance institution. This individual will bring a strong analytical orientation, an appreciation for broad-based credit risk issues, understanding of data mining techniques, and a familiarity with operations

Key responsibilities for the role:

1. Developing analytically driven Credit & Portfolio Risk models. Exploring and implementing alternate modeling techniques to deliver more predictive models of collections, defaults.
2. Implementing innovative modeling techniques and data strategies to deliver best in class stress testing and/or credit scoring models
3. Structuring and driving operational credit risk management processes effectively (Such as underwriting, risk scoring, repossessions/voluntary buy back schemes etc.) in conjunction with sales force and operations to test and improve the quality of credit risk in the portfolio.
4. Performing all required tests and measures of developed models (e.g., sensitivity, accuracy, volatility), delivering comprehensive model documentation, validating and recalibrating models on periodic basis as in line with company’s policies & processes
5. Building robust / actionable Portfolio Quality monitoring & review mechanism. This will include regular presentations to Senior Management on Portfolio Quality movement with specific recommended action areas, obtaining sign-offs of relevant stake-holders and ensuring implementation of action items agreed during the Portfolio Reviews.
6. Preparation, launch and monitoring of Pilot Schemes for limited period/geography to drive improvements in collections and credit risk of the portfolio.
7. Carrying out tampering and fraud analytics with the help of Analytics Team and optimizing fraud detection & prevention frame-work.

The ideal Global Risk Leader:

• Holds a Master’s degree in a quantitative discipline: Mathematics, Economics, Finance, Operations Research or Statistics
• Has 8+ years of work experience in relevant areas such as Underwriting, Portfolio & Credit Risk monitoring, Credit Analytics & Scoring; Credit card, Micro Finance Institution or Rural Loan industry experience especially in an analytics, policy or credit scoring role is preferred.
• Has prior experience in developing loan level models is preferred using one or more industry recognized modelling constructs is preferred.
• Is a well-networked individual with entrepreneurial energy and passion to develop processes, systems and strong teams that will deliver superior performance.
• Can effectively interact with business partners across functions including risk, technology, product management amongst others
• Has excellent verbal and written communication skills.
• Is comfortable traveling 7-10 days each month in the field working with operations and sales force

We are looking for someone who is driven, passionate and excited about the opportunity to bring honest, affordable, energy to homes in Africa and Asia. If this sounds like you, we would love to hear from you.