At Renmoney, we believe finance should be simple, useful and accessible to everyone. That’s what makes us really passionate about leveraging data driven insights to help us understand you better and build useful financial products for your personal and business needs - like convenient loans to help you do more today, savings to keep you on track for your goals and investments that’ll generate more money for you.
Description
- 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
Requirements
- 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
Method of Application
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