Credit Risk Manager

TBC Bank Group PLC established Space International with the strategic aim of facilitating the group's global expansion efforts. In 2018, the team successfully introduced the pioneering neobank, Space, in Georgia. Building upon this success, subsequent efforts were directed towards the creation and launch of the fully digital bank in Uzbekistan, TBC UZ, in 2020. In a significant move towards enhancing its foothold in the Uzbek market, the group acquired Payme, a prominent local payments provider and esteemed brand among the Uzbek populace, in 2023.

Presently, a dedicated team of 1,700 professionals representing 17 nationalities collaborates to advance TBC's international presence. Space International spearheads the provision of cutting-edge technologies and top-tier professional services, while the local teams at Payme and TBC Uzbekistan drive sustained growth and operational excellence.
As a Credit Risk Manager You will play a crucial role in shaping the future of our team. 

What you will do:

• Develop and implement credit risk policies and strategies for the digital retail lending portfolio.
• Monitor and analyze the credit portfolio performance, identifying potential risks and opportunities for improvement.
• Stay abreast of industry trends, regulatory changes, and best practices in credit risk management to enhance the bank's risk management framework.
• Collaborate with cross-functional teams, including data scientists and underwriters, to optimize risk decisioning and scoring model performance.
• Conduct comprehensive risk assessments and credit analysis for loan applications, ensuring adherence to risk standards and guidelines.
• Work with the team of IT business analysts and developers to implement relevant changes in product, decision strategy and scoring in relevant loan origination software and decision engine
• Responsible for credit application approval rate and all relevant portfolio risk metrics (PAR, COR, NPL, etc.)
• Be involved in budgeting and plan achievement of all relevant portfolio risk metrics
• Conduct periodic stress tests and scenario analyses to assess the portfolio's resilience to economic changes.
• Continuous search and analysis of alternative data sources for scoring model and decision-making optimization
• Contribute to the effective management of all credit risk-related issues and opportunities and maintain effective working relationships with team members, other colleagues, and customers.
• Provide insightful risk reports and recommendations to senior management and contribute to strategic decision-making.

Main requirements:

• Bachelor’s/University degree, Master’s degree preferred.
• 2-3 years of analytical experience; Preferably in retail lending.
• Working knowledge of Bank operating systems, lines of business, products will be an advantage.
• Strong data skills: highly proficient in Excel, competence in SQL select methods. Knowledge of Python (Pandas) will be an advantage.

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 and willing 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
• Comfortable with a “hands-on” approach and balancing multiple, competing priorities and changes in scope/direction, all with a high sense of urgency and a positive “can-do” attitude
• Ability to work in a fast-paced environment and adapt to change very quickly with minimal supervision

Languages:

• Russian
• English

What We Offer:

• Full support and career-development resources to maximize your potential along our career journey
• Market competitive total compensation package
• 100% company-paid for every employee’s medical insurance
• Benefits and incentives to stay healthy and fit
• English language classes
• Possibility to be involved in an international project
• Hybrid working model, ensuring a good work-life balance
• Junk Fridays, fruit days, terrace BBQs, and many more

Is this the career move you've been waiting for? Apply now!
Thank you for your interest in opportunities at JSC "Space International." Your privacy is a priority. We process data in compliance with the Law of Georgia "On Personal Data Protection." Your information is confidential and used solely for assessing suitability, with a maximum 3-year retention period. We securely store your data using BreezyHR (Canada). You are authorized to request data deletion or modification, or provision of information regarding data processing. If you have any such requests or have any questions regarding data processing, please feel free to contact us ProfileModificationRequests@ space.ge. Our commitment extends to equal treatment, ensuring a fair and unbiased selection process. Thank you for considering opportunities with us.