-job description*role purpose*
- coordinate and manage projects related to the credit card lifecycle (acquisition, usage, renewal, retention)
- support the execution of larger-scale initiatives, including digital enhancements, engagement campaigns, and risk process improvements
- implement company policies and contribute to the achievement of functional and regulatory objectives.
- monitor the quality and efficiency of task and services, ensuring regular process reviews and controls are in place.
- identify and escalate issues that impact product performances, operational risk, or customers experience.
- communicate technical or sensitive information effectively across various levels of stakeholders
- adhere to established policies and procedures within the team and broader organization
- support change management initiatives related to credit card products and escalate any risk or concerns as needed.
*main activities*
- analyse key performance indicators (kpis) across the credit card lifecycle (acquisition, usage, renewal, retention, delinquency).
- develop dashboard, reports, and visualizations to monitor trends and track business outcomes.
- identify patterns, risk and opportunities using data to support portfolio growth and profitability.
- collaborate with risk, product, and operations tams to translate data findings into actionable recommendations.
- ensure the accuracy and integrity of data used in reporting and analysis by validating sources and methodologies.
- communicate complex findings and insights in a clear and structured manner to technical and non-technical stakeholders.
- escalate data quality or performances issues and recommend solutions for continuous improvement.
- performance monitoring of models: scoring, income, prepayment and ncl forecasting
- monitoring of risk distribution, to ensure acquisition is aligned to risk appetite / credit limits
- data analysis to support portfolio managers to identify any opportunity for loosen / tighten credit policy:
- maintain close communication with portfolio managers
- record requests of portfolio managers to facilitate proper prioritization.
- identify trends in kpi, as well as proactive research to understand relevant movements.
- continues improvement in our control environment:
- continue enhancement of our processes and documentation.
- automation of manual steps in our processes to reduce operational risk
- deliver risk reports in time according to service level agreements (sla)
- timely escalation of any data issue and / or finding, as well as any delay of inputs
- participate in prove of concept (poc) of new analytical tools (e.g., google looker or other cloud native)
requirements*functional knowledge / skills*
- programming skills
- proficiency in any programming language, which need to be proved (certifications, exams, courses, etc), additional points if the programming language is sas, sql and / or phyton.
- advanced excel, with experience on pivot tables, advanced filters, conditional format, macros, solver, connection with external data (e.g., sas) and creation of dynamic dashboards with slicers (mandatory)
- experience with tools for data visualization would give additional points
*knowledge on technical areas*:
- credit risk: understanding and ability to explain basic kpis as: pd, lgd and ccf, as well as order relation across banking products (e.g., how is mortgage compared to unsecured lgd)
- financials: relation between general ledger and income statement, profitability ratios (e.g. Rote), prepayment on amortization tables, relation of interest curves and central bank, etc.
- statistics: understanding of linear regressions (logistic, xgb, rf, etc), as well as indicators to assess model performance (e.g., gini, psi, confusion matrix, etc.)
*soft skills*
- intermediate english level, to produce comments on kpi trends for global stakeholders.
- ability to learn new concepts / skills by himself with no support from a third party (self-learner)
- attention to detail to identify errors and proactivity to identify opportunity areas to implement controls.
- strong communication skills, to explain complex technical concepts with few words