Credit Risk Lead (Relocation to Tashkent)

About TechBiz Global

TechBiz Global is a leading recruitment and software development company. Our diverse, globally distributed team provides IT recruitment, outstaffing, outsourcing, software development, and different consulting services with a primary focus on making our partners achieve their business goals successfully.

With headquarters in Germany we have successful clients all over the world. We can understand your unique needs. Our team has hands-on experience with the challenges that come with rapid growth and the IT sector. That’s why all of our offerings are built with a tech mindset.

Main responsibilities:
• Cooperate with commercial team to develop credit products, define lending process and criteria.
• Work with the Data Analytics and BI team to develop & automate reports to identify and measure credit
risks.
• Work with the team of Data scientists to develop and implement credit scoring models (application,
behavioral, income estimation, etc.).
• Development of the NPV model.
• Work with the team of IT BA’s and developers to implement changes in product, decision strategy and
scoring.
• Responsible for Approval rate, portfolio growth and all relevant portfolio risk metrics budget achievement
(PAR, COR, NPL, FPD, Roll-rate, etc.).
• Responsible for risk parameter budgeting and monthly estimations of all relevant portfolio risk metrics.
• Initiate and lead credit decision strategy and scoring model changes & development.
• Evaluate profitability of credit products in coordination with fin. dept. of the bank
• Prepare ad-hoc analytical risk reports and deep dive analysis of various segments of the loan portfolio.
• Coordinate with Debt Collection Lead and Fraud Lead to ensure portfolio quality targets and other relevant
risk KPI’s are achieved.
• Knowledge of regulatory requirements related to retail credit risk management.
• Develop credit risk policies & frameworks (restructure policy, credit policy, stress testing framework, etc.).
• Continuous search and analysis of alternative data sources for scoring model and decision making.
• Contribute to the effective management of all credit risk related issues and opportunities and maintain
effective working relationships with team members, and other stakeholders.
• Guide and lead a team of credit risk professionals.

• Bachelor’s/University degree in finance, economics, statistics or a related field, Master’s degree preferred.

• 5+ years of experience in credit risk management, with a focus on retail lending.

• Strong knowledge of retail credit products and services, including consumer loans, BNPL, car loans

(experience with micro business loans will be preferred)

• Experience developing and implementing credit risk policies and procedures.

• Strong computer skills: highly proficient in Excel and average competence in SQL select methods. Knowledge

of Python (Pandas) will be an advantage.

• Experience managing a team of credit risk professionals.

Skills:

• Excellent analytical, verbal, and written communication, exceptional interpersonal, and relationship building

skills with business stakeholders.

• Strategic thinker with the ability to review a situation from varied perspectives as well as a willingness to

make judgment calls and decisions based on experience and reasonableness tests.

• Strong organizational skills and detail oriented.

• Ability to streamline complex processes.

• Ability to meet strict deadlines with excellent follow-up skills.

• High sense of urgency and positive “can-do” attitude.

Languages:

• Russian - necessarily

• English