PRINCIPAL LEAD: Credit Risk (Existing Customer Management)

• Assist in defining, optimising and implementing the WFS ECM Risk strategy, covering ECM Credit Risk Decisioning, Credit Limit Management, Affordability Risk, Card Overlimit Authorisations, Credit Card Re-Issue, etc.
  
• Develop and maintain world-class analytically-driven strategies to optimise risk performance, by leveraging statistical/modelling techniques to unlock value from enterprise data assets
  
• Act as a representative in forums, weekly and/or monthly meetings and enterprise project initiatives, collaborating cross-functionally and managing stakeholders across the business
  
• As a credible and respected expert within a sub-discipline of Credit Risk management, generate ideas and offer unique perspectives to optimise complex processes, systems and disciplines
  
• Lead, manage and develop a team of Credit Risk analysts
  

Requirements

• Credit Risk Management
  
• Champion/Challenger Strategy Design
  
• Structured Query Language Proficiency
  
• Packaging and presenting Data Insights
  
• Statistics and Modelling Methodologies
  
• Credit Industry and Market Knowledge
  

• Intellectual Curiosity – continuous improvement, innovation and ability to deal with change
  
• Stakeholder Engagement – collaboration, influencing and persuading
  
• Decision Making – mental agility, analysing and interpreting
  
• Action Orientated – results focus, determination to achieve and deadline driven
  
• Self-leadership – initiating, planning and organising own deliverables
  
• Analytical Thinking – attention to detail, focus on quality and integrity of output
  
• Team Player – relating, networking and supporting colleagues
  

• Minimum: Bachelor’s degree (3 years) ideally in the following disciplines: Quantitative Risk Management, Mathematics or Statistics, Finance, Economics, Econometrics
  
• Preferred: Post graduate degree
  

• Minimum: 5+ years Credit Risk related experience in a Senior Analytical Role
  
• Proven strategy development and implementation experience using credit scores, bureau scores and segmentation analytics on consumer portfolios
  
• At least 5 years analytical experience on a consumer portfolio (credit cards, private label / retail cards, loans, etc.) in either Credit Risk or Collections strategies
  
• Experience in working in an outsourced environment and effectively implementing solutions using both internal and external resources
  
• Experience in data cleaning, data manipulation, and analysing large data sets using SAS, SQL, AWS Cloud Analytical Tools, or similar environment
  
• Formal team management and leadership experience in an analytical context
  

• Knowledge of financial services industry in a strongly regulated environment for a multi- product, multi-stakeholder organisation
  
• Knowledge and application of credit scoring and risk management techniques across the entire credit life cycle on consumer portfolios
  
• Proven ability in analytics, business acumen and presenting/communicating recommendations across all organisation levels
  
• Ability to work with diverse teams to ensure effective implementation of projects
  
• Understanding of financial metrics in relation to portfolio management and the associated forecasting thereof
  
• High proficiency in structured language analytical software (SAS, SQL, Python, AWS Cloud)
  
• High proficiency in Microsoft Office (Excel, PowerPoint, Word)