Credit Risk Manager - CZ

In a nutshell

We have a once in a lifetime opportunity to be part of the lean but talented leadership team responsible for the growth, and on-going development of our digital lending business in Czech. IPF Group operates across Europe, Australia and Mexico at present and is made up of the Home Credit business and IPF Digital.

Your primary area of focus is to ensure that there is profitable growth of the customer base in line with the business plan, through owning the creation and on-going development of the end to end credit strategy for the digital business in Czech, alongside, identifying and managing risk across the business. This risk comes in different forms, ensuring effective credit performance that can evolve and adapt with our needs, monitoring and evaluating credit and arrears management strategies to manage credit loss, systems and approaches to manage digital fraud, governance and reporting and the effective use of systems and partners for all elements of risk management. Although located in an operating market, you will work as part of the IPF Digital HUB Credit Team, but will have responsibility and focus just for the Czech market.

Your daily tasks:

• You will own acquisition journey, ensuring its as hassle free as possible for our customers - maximizing customer satisfaction but at the same time ensuring high credit quality assessment standards
• You will take a test and learn approach towards the creation and governance of credit processes and activities, being quick to tighten, relax or challenge credit, arrears management and fraud controls where they are not in support of the business strategy
• Working in conjunction with the global hub credit team, you will be responsible for the rules, models, decisions and automated systems across the credit risk lifecycle in dedicated market
• You will maintain and ensure effective reporting on the credit systems in place, being open to challenge and feedback
• You will love to get stuck into the detail, noticing key trends and patterns across the risk landscape and quickly acting upon them, getting a real buzz from recommending and implementing new strategies and approaches to further support customer growth
• Care about the business; monitoring and reviewing processes and policies to protect the organisation from fraud and risk and to identify ways to further drive growth and reduce wastage
• You manage directly collection strategy and collection operations, including relationships with collection agencies we work with
• You manage credit underwriting strategy and underwriting operations ensuring its focus on quality decisions while controlling costs related to customer assessment
• You will love to build great relationships with key partners, working with stakeholders from within the business and external to ensure you can acquire the right tools and processes to deliver the business plan
• Put customer experience and innovation at the heart of our business processes - have this in mind when approaching all risk management activity
• Look for economies of scale and opportunities to reduce waste, whilst not impacting the customer experience

So, what skills, knowledge and experience do you have?

Skills

• Fluent in verbal and written business English (essential)
• Fluent in verbal and written business Czech (essential)
• High level ability to interpret complex performance data; identify and deliver priority actions; evaluate the impact and risks of change
• Spot issues and opportunities and acts upon them quickly!
• Able to effectively influence and challenge others
• Creativity and an aptitude for problem solving
• Analytical and numerical capabilities, including relevant technical knowledge within SQLFlexible - happy to roll your sleeves up when needed

Knowledge

• Breadth of knowledge across the Credit arena, preferably from online lender
• Good understanding of statutory, legal and regulatory requirements
• Thorough knowledge of analytics, credit scoring, credit systems and processes
• Good knowledge of collections systems and processes (desirable)
• Strong understanding in consumer credit
• E-commerce credit experience is desirable
• Understanding and demonstrable application of the basic principles of credit scoring
• Fraud management (ideally within a digital environment)
• Knowledge and practical experience of the tools available to support the management of credit risk

Experience

• A proven track record managing credit risk in an online lending business
• Built online credit risk policies and credit risk rules, including assessment of credit scorecards for the on-line lending
• Experience of identifying and building strong relationships with effective partners / suppliers in the area of credit risk and fraud (credit bureaus, etc)
• Previous collection experience is a strong plus
• Experience in managing underwriting operations (desirable)
• Experience gained within a digital financial services environment (desirable)
• Exposure to working in an international business that works cross-culturally
• Experience of utilising big data in credit scoring strategies (desirable)

Qualifications

• We care about who you are as a person and having a qualification in statistics or numbers would definitely help you in this role

Other

• Able to travel internationally for business meetings (very occasional but essential)

You...
will love working at IPF Digital if you enjoy a truly international work environment and being part of an international HUB team. You like to be trusted to take responsibility for your tasks; you value friendly and open work culture and appreciate good teamwork.We look after...
our people by providing all-you-can-eat fresh fruit daily, lunches at the expense of the company, and company parking where you can book a parking place. We support an active and healthy lifestyles and have fun team events both in the office and after work. Our employees' well-being and happiness are one of our top priorities.

Here's how our team describes our culture:
The culture at IPFD is driven by our shared values. People are put first, we accept differences and encourage individuality. Due to our flat business structure, we enjoy collaborating together. Although recognition is highly valued, failure is accepted...as long as it's fast. Enjoying some good times together is also highly encouraged!

Sounds good? We all think so at IPF Digital.

Department Credit & Risk Locations Czech Republic Remote status Hybrid Remote Employment type Full-time Employment level Executive/Senior Level