Senior Director, Credit Risk and Analytics

Responsibilities

• Build and maintain a credit risk analytics capability to provide timely, actionable insights for portfolio optimisation, loss forecasting, and provision adequacy.
• Lead iterative development of underwriting and pricing models - from evaluating AI/ML algorithms, sourcing alternative data to production deployment and continuous optimization with cross-functional partners.
• Identify and integrate non-traditional data sources (e.g., transactional, behavioural) to boost predictive accuracy and credit access for underserved markets.
• Architect real time monitoring frameworks and automated alerting systems for portfolio health, KRIs, concentration exposure, and collections performance.
• Ensure proactive risk identification for new products, markets, or customer segments.
• Design and execute A/B testing frameworks for new underwriting/scoring criteria, pricing, and customer segments.
• Develop and implement credit risk governance processes, including Credit Committees, actionable reporting and escalation protocols.
• Ensure models and analytics pipelines are auditable, scalable, deployment-ready, and aligned with best practices.
• Collaborate with Product, Sales, Operations, Compliance, and Engineering to align underwriting strategy with business objectives and economic levers.
• Employ predictive analytics to improve collections strategy, focusing on customer outcomes and recovery efficiency.
• Enable risk-awareness and analytics literacy across teams via workshops, training, and documentation.

Requirements

Minimum of 15 years in credit risk management, including leadership roles in consumer and small business lending.

Hands-on experience building, validating, deploying AI/ML underwriting or scoring models.

Experience leveraging alternative data sets for Consumer and SME lending.

Demonstrated success in managing credit risk for new products, markets, and customer segments.

Strong leadership, with ability to train non-technical stakeholders in analytics and risk concepts.

Degree in Finance, Economics, Risk Management, Statistics, or related field; Master’s preferred.

Relevant certifications (e.g., CFA, FRM, PRM) will be considered a strong advantage.

Skills

• A minimum of 15 years in credit risk management, including leadership roles in consumer and small business lending.
• Hands-on experience building, validating, deploying AI/ML underwriting or scoring models.
• Experience leveraging alternative data sets for Consumer and SME lending.
• Demonstrated success in managing credit risk for new products, markets, and customer segments.
• Strong leadership, with ability to train non-technical stakeholders in analytics and risk concepts.
• Degree in Finance, Economics, Risk Management, Statistics, or related field; Master’s preferred.
• Relevant certifications (e.g., CFA, FRM, PRM) will be considered a strong advantage.