Senior Credit Risk Model Developer

7 months ago


مصر, Egypt Profolio Consulting Full time

One of the benchmark players in local banking, serving millions internationally, is looking for a Senior Credit Risk Model Developer. The Credit Risk Model Developer plays an important role within the Credit Risk Modelling team to develop the credit risk models, to predict risk estimates such as PD, EAD, and LGD, and credit scoring models to support credit risk decisions.

**Responsibilities**:

- Build, validate, document, implement and rebuild:

- Credit risk models (retail loan origination models, business banking customer rating models, and loan behaviour scorecards)
- Collective Provision and Expected Loss methodologies. This includes all inputs of Probability of Default, Loss Given Default and Exposure at Default (methodology).
- Conduct detailed analytical work with a high level of accuracy in order to deliver high level results to senior management, and contribute to the management and education of enhanced credit risk approaches.
- Develop ongoing improvements to the model reporting.
- Responsible for managing issues through to resolution.
- Define and specify key data requirements to support modelling approaches.
- Document model “technical manual”, modelling choices made, and model methodology considerations.
- Support and guide junior colleagues in the development of their modelling skills and projects.
- Develop very good understanding of new and existing regulatory requirements, transfer this knowledge to colleagues and ensure that these are properly reflected in the models
- Support in planning and timeline management activities for the risk modelling projects.
- Working with credit risk Model Development Leaders to:

- Proactively engage with stakeholders to understand business context, add value, propose solutions, project manage pieces of work through to completion.
- Balance prioritisation effectively across a wide group of stakeholders. Ensure time spent matches the importance of the work and manage situations / competing priorities so that the most beneficial program of work is achieved.
- Working with the leaders of the Credit Risk teams to ensure:

- Models are effectively embedded into operational activities
- The process is well documented and resourcing or delivering issues is well managed.
- Prepare and review analysis documentation / presentations and ensure that high quality analytical documentation are written and delivered to appropriate senior management and committees.
- Identifying inefficiencies and proposing operational process improvements to enable better outcomes.
- Ensure there is clarity and structure in the work conducted between the modelling team and operational areas. With complex work items clarity is key to minimising re-work and ensuring accuracy.

**Qualifications**:

- Bsc Degree in Computer Science, Economics, Statistics / Mathematics or equivalent.
- 4+ years of experience in a similar role in a risk/analytics function
- Strong knowledge of SQL, and very good knowledge of statistical modelling software (preferably in R and SAS)
- Good level of knowledge for statistics and traditional machine learning algorithms.
- A sound practical understanding of macro
- and microeconomic relationships as well as financial markets and banking products is preferred.
- Strong project management ability
- Strong communication and interpersonal skills
- Ability to convey complex data in a concise understandable manner and distil the key messages
- Executive level presentation skills.
- Highly motivated and self-starting.
- Ability to work effectively across varying levels of Management and multi-disciplinary teams.


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