Credit Risk Manager

Job Purpose

The Credit Risk Manager will be responsible for analyzing, monitoring, and managing the credit risk exposure of Bravo’s consumer finance portfolio. The role involves developing credit risk models, supporting policy formulation, conducting portfolio reviews, and providing actionable insights that enhance risk strategy and ensure compliance with regulatory standards.

Key Responsibilities

• Develop and maintain credit risk models, scorecards, and risk assessment methodologies.

• Monitor credit portfolio performance, delinquency trends, and default patterns.

• Perform stress testing and scenario analysis to assess portfolio resilience.

• Recommend changes to credit policy, risk appetite, and approval criteria based on data insights.

• Support new product launches with credit risk assessments and portfolio impact analysis.

• Prepare and deliver regular risk reports and presentations to senior management.

• Collaborate with MIS, Collections, and Business teams to align on risk strategies.

• Ensure compliance with FRA regulations and internal risk frameworks.

• Mentor junior analysts and contribute to building analytical capabilities within the risk team.

• Develop and implement fraud detection and mitigation strategies to safeguard the portfolio.

·       Bachelor’s degree in Economics, Statistics, Finance, Business, or related field.

·       6+ years of experience in credit risk management or portfolio analytics in Consumer Finance, Banking, or FinTech.

·       Strong knowledge of credit risk concepts, policy formulation, and portfolio monitoring.

·       Experience with BI and reporting tools (Power BI, Tableau) is preferred.

·       excel

·       Excellent analytical, problem-solving, and quantitative skills.

·       Strong stakeholder management and communication skills.

·       Ability to work independently and manage multiple priorities under tight deadlines.