Predictive Analytics and Credit Risk Manager
1 month ago
**About Bravo (previously Wasla)**:
Bravo builds on the success of Wasla, a leading Egyptian shopping app with over 2 million downloads. Launched in 2019, Wasla empowered shoppers to save on everything from their favorite online brands. In 2022, Contact Financial Holding's $9 million investment fueled Wasla's evolution into Bravo.
**Job Overview**:
The Manager of Predictive Analytics and Credit Risk is responsible for supporting the development and management of predictive models and credit risk strategies. This role plays a key part in analyzing data, building models, and implementing risk management practices to optimize credit decisions and minimize losses. The position focuses on managing the company's credit risk in line with established guidelines and policies, ensuring portfolio health across multiple markets.
**Key Responsibilities**:
- **
Predictive Analytics Model Development**:
Assist in the development and implementation of predictive analytics models to assess customer creditworthiness and default risk.
Work closely with data scientists and analysts to gather, clean, and analyze data for model development and fine-tuning.
Support the continuous monitoring and improvement of model accuracy and performance.
- ** Credit Risk Strategy Execution**:
Contribute to implementing automated underwriting processes by leveraging machine learning and AI technologies.
Ensure credit risk strategies align with the company’s risk appetite, regulatory requirements, and business objectives.
Assist in defining risk thresholds and parameters for credit decision-making processes.
- ** Portfolio Performance Monitoring**:
Track portfolio performance and KPIs, identifying trends and potential risks.
Assist in analyzing credit metrics such as losses, delinquency rates, and charge-offs, providing insights to management.
Support the development of dashboards and reports for real-time monitoring of credit performance.
Conduct regular reviews of the credit portfolio and provide recommendations to improve outcomes.
- ** Cross-Functional Collaboration**:
Work with cross-functional teams, including product, finance, and operations, to support strategies that balance credit risk and business growth.
Provide data-driven insights to enhance product development, marketing strategies, and customer segmentation efforts.
**Qualifications and Skills**:
- Bachelor's degree in mathematics, statistics, finance, or a related field (Master's degree is a plus).
- Proven experience in credit risk modeling, predictive analytics, and credit risk management within the financial services industry.
- Proficiency in statistical modeling techniques, machine learning, and data analysis tools (Python, R, SQL).
- Strong understanding of credit risk regulations and best practices.
- Excellent problem-solving and analytical skills.
- Effective communication skills, capable of conveying technical insights to non-technical stakeholders.
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