Consumer Finance Direct Portfolio/Risk Specialist
Core
Overseeing credit risk performance of the Direct Lending portfolio, including unsecured and/or secured consumer lending products, through data-driven insights and policy development.
Role type
Consumer Finance Direct Portfolio/Risk Specialist
Builds
Direct lending portfolio strategies aligned with regulatory expectations and company risk appetite
Domain
Consumer Finance / Credit Risk
Deliverable
dashboards & analysis
Required skills
Portfolio monitoring, risk identification, performance analysis, policy development, cross-functional collaboration, regulatory compliance, data analysis, credit policy writing, UAT support
Preferred skills
ACAPS certification, regulatory exam support, consumer credit models, scorecards, risk-based pricing, advanced Excel, portfolio reporting tools
Technologies
Excel, portfolio reporting tools, analytics tools
Responsibilities
Monitor and analyze direct lending portfolio performance to identify emerging credit quality trends, Conduct ongoing portfolio risk assessments including delinquency and vintage analysis, Prepare and deliver portfolio reporting and executive summaries, Identify risk impacts and recommend mitigation strategies, Support development and maintenance of credit policies, Participate in User Acceptance Testing for system changes and new products, Collaborate with cross-functional partners to implement portfolio strategies, Ensure documentation meets regulatory and audit standards
Seniority
Mid-Senior, hands-on IC
