Lead Credit Risk Manager

20 hours ago

Karachi, Sindh, Pakistan beBee Careers Full time

As a key member of the Risk Management Department, you will be responsible for analysing and assessing risks associated with mortgage lending activities.

Key Responsibilities
  1. Evaluating the creditworthiness of borrowers by considering factors like income, debt-to-income ratio, credit history, and property value.
  2. Tracking the performance of the mortgage portfolio, identifying potential problem loans, and monitoring risk indicators like delinquency rates and default rates.
  3. Developing and implementing strategies to mitigate credit risk, such as setting lending standards, using credit scoring models, and establishing early warning systems for potential defaults.
  4. Ensuring compliance with regulatory requirements and reporting credit risk information to stakeholders.
  5. Participating in the loan origination process, including underwriting decisions and loan approvals.
  6. Managing the foreclosure process and developing workout plans for delinquent loans.
  7. Using advanced risk modeling techniques to assess and quantify credit risk, including portfolio stress testing.
  8. Collaborating with other departments, such as loan origination, collections, and legal, to ensure effective credit risk management.
Requirements
  • Strong analytical and quantitative skills to assess and analyse credit risk data.
  • Knowledge of credit scoring and risk models to accurately assess borrower risk.
  • Understanding of mortgage lending regulations and compliance requirements to ensure adherence to industry standards.
  • Proficiency in financial modelling and risk analysis software to effectively manage and monitor credit risk.
  • Good communication and interpersonal skills to collaborate with other departments and stakeholders.

With at least 5 years of experience in consumer / SME financing, you will be well-equipped to tackle the challenges of this role. Understanding or experience in mortgage credit risk is also highly desirable.

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