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Remote - Senior Credit Risk Analyst

Colombia

The Senior Credit Risk Analyst mission:

The Senior Credit Risk Analyst at Baubap is tasked with developing and implementing a comprehensive credit risk management framework that identifies, assesses, and monitors Baubap’s portfolio behavior to achieve business goals regarding growth and loss rate. This role will identify and mitigate external risk factors, make adjustments based on data to modify our loan policies, and design strategies with different teams in the company to improve the health of our loan portfolio. 

The expected outcomes:

  • Ensure that the loss rate of the portfolio remains healthy, becomes highly predictable and is aligned with Buabap’s growth strategy
  • Establish standard procedures that follow the best industry practices
  • Cross-functional Collaboration: Work closely with various departments, including Acquisition, Data Modeling, Finance and Product, to ensure a cohesive and integrated approach to risk management.
  • Continuous Improvement: Regularly review and update the credit risk management framework to adapt to new risks, regulatory changes, and industry developments.

The day to day tasks:

  • Loss Rate monitoring: Supervise and closely analyze loan non-payment rates and evaluate their impact on the credit portfolio. Identify trends and take corrective measures as necessary
  • Evaluate the impact of credit risks and implement preventive actions
  • Key metrics projection: Utilize models and historical data to project future key metrics behaviour like loss rate, disbursed amount, average amount and anticipate their impact on the credit portfolio. Conduct sensitivity analysis and adjust risk strategies accordingly.
  • Consumer sentiment analysis and tracking: Analyze and track consumer sentiment to understand their attitudes and behaviors related to credit. Incorporate consumer sentiment analysis into risk assessments and decision-making processes.
  • Implementing effective risk mitigation strategies to minimize potential losses in the event of default and protect the company's overall credit portfolio.
  • Portfolio stress testing: Conduct stress tests on the credit portfolio to assess its resilience under different adverse economic scenarios. Identify vulnerability areas and recommend mitigation actions.
  • Documentation and knowledge sharing

Why YOU should apply:

  • You have at least 3 to 5 years of experience in credit risk or financial risk management roles.
  • You have an advanced English level.
  • You have strong data skills and high proficiency in SQL, Python and R (2/3 is a MUST have) to analyze risk models. A super plus if you have the ability to create risk models from scratch.
  • You have strong problem-solving skills and the ability to think analytically.
  • Your are an excellent communicator with the ability to articulate risk management concepts to a diverse audience and work effectively across different teams.
  • You have demonstrated the ability to take initiative, think ahead, and proactively address potential risks and challenges.

What we can offer:

  • Being part of a multinational, highly driven team of professionals.
  • Flexible and remote working environment.
  • High level of ownership and independence.
  • 20 vacation days / year + holiday bonus.
  • 1 month (proportional) of Christmas bonus.
  • Competitive salary.

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