Description
This is an exciting opportunity to join a digital banking project.
Tasks:
- Defines credit risk policy for digital e-2-e consumer loan product including providing comprehensive functional requirements for a risk decision engine built and set (with rules enabling fully automated loan underwriting)
- As part of credit risk policy definition & testing defines knock-out criteria, scoring, credit capacity calculation, disposable income definition, way of income proving and income verification in a digital way only for a new digital e-2-e lending product - unsecured personal loan to new-to-bank private individual customers in Poland (employed and self-employed).
- Defines and leads implementation of a fraud policy identifying/governing treatment of suspicious loan applications.
- Formulates requirements for credit bureau and scoring service provider/s in polish market, supervising integration with credit bureau and event. other 3rd parties providing external data utilized within an automated underwriting process.
- Develops the product backlog - epics, user stories, user stories artifacts as part of loan origination process with any relation to credit/fraud risk processes/requirements
- Runs tenders for risk decisioning, scoring and income verification providers
- Provides detailed functional requirements for a lending product backlog in matters associated with credit risk management
SKILLS:
- 5+ years experience in managing credit risk in banking/non-banking credit institution with focus on underwriting and risk policy for unsecured lending to private individuals in Poland
- Experience with champion - challenger testing
- Digital savvy, great orientation in digital/neo banking industry and recent financial innovations
- Consumer lending/credit risk management experience in Polish market is the must
- Experience in setting up an automated underwriting process
- Fluent Polish or other CEE language
Following skills/experience are an additional asset:
- Experience in unsecured consumer lending underwriting process design and improvement
- Expert to draft comprehensive credit risk policy and fraud policy/checks
- Expertise in setting up semi/automated risk decisioning
- Experience in implementation of risk-related IT solutions
- Expertise/exposure in Polish market is the must
- Fluent Polish or other CEE language
- Knowledge of Confluence, Jira tools for documentation
- Relationship/contacts to risk solutions vendors in Polish market
This is an urgent position so please contact me if you are available immediately or coming available soon.
(see below)
Parallel Consulting is acting as an Employment Business in relation to this vacancy.