Senior Portfolio Manager

Renmoney is seeking a dynamic and experienced Senior Portfolio Manager who will be responsible for level of risk in portfolio, level of provisions, LTV, product profitability.

Responsibilities:

• Risk Management: participation in activities affecting risk level and LTV, regular review, development and coordination on risk-decisions.
• Monitoring on portfolio quality: checking existing and expected risk level, catching anomalies.
• Provisioning policy: monitoring and analysis on provisioning level (PD, LGD, EAD, COR, EL).
• Monitoring on risk-model performance: daily risk-filter monitoring, weekly-, monthly- reportment, score-model performance control.
• Risk-events investigations: social shocks, fraud attack detection, IT-down catching (operational risks).
• Credit policy owner: development, actualizing, AB-test managing, updating. Matching with risk-engine specification.
• Risk-events history keeper: fixating and owing of company history of events affecting/explaining on risk level (incl seaonability, special campaigns, ne model implementation, AB-tests, etc. )
• Change management: participating , control and managing on full change implementation process ( change request – task clarification – development support – quality testing – production testing – final decision on using as “champion”)
• Risk-modeling: risk-kpi assessment, kpi-based decisions foundation.
• Business level risk-modeling: development on logical risk-rules and antifraud-rules, monitoring on social fraud information. Together with score-modeler (risk-analyst, data-scientist) – business understanding and expertise on main variables (top features) and correlations in score model.
• Existent + new data-sources: comparing, modeling on effect, assessment, trial-using coordination, integration managing.
• Risk cost management: assessment on profitability from risk-activities, data-sources costing-model optimization.
• Risk budgeting: participation in company budgeting from risk prospective – forecasting of provisions, approval-rate, default level, risk-model and collection costing.
• Risk-team support: risk consulting, common projects , especially for verification and collection teams.
• Collection modeling support: pre-collection, bad-portfolio segmentation, contact-strategy development.
• Collection analytics support: collection profit-loss modeling, contact-channel prioritization, call-list prioritization, dialer tuning, skip-tracing, strategy pilots AB-test, bonus system (operators, collection agencies), cession pricing
• Collection management support: bad-portfolio management, multichannel contact management, call-list management, contact-center operators quality managment, collection agency communication, cession sales management

• Minimum of 5 years of experience in portfolio management, asset management, or related roles.

• Demonstrated track record of successfully managing portfolios and achieving financial targets.
• Fintech loan product experience: PDL, Installment, Cards
• Score modeling experience (any type of environment - R, Python, SS, SPSS, etc.)
• Score modelling understanding
• Experience with Excel/Tableau, SQL