- Location
- Colombia
Description
Challenges that await you:
- Monitor credit risk appetite by calculating and tracking key metrics such as NPL 30+/90+, cost of risk, coverage, credit-limit utilization, contingent exposure, concentration, and exceptions, escalating breaches and action plans when needed.
- Own monthly provisioning processes, including the Consumer Reference Model, K factor, contingent-limit provisions, alignment, and suspension of accruals, while assessing the impact of segment changes.
- Analyze credit performance and vintages by product and score band, monitoring delinquency, charge-offs, and observed vs. expected losses, and identifying the drivers behind material deterioration.
- Monitor early-warning indicators and credit limits, supporting the semi-annual reassessment of revolving credit limits.
- Support credit stress testing and capital adequacy analysis, connecting portfolio risk with the bank’s capital position.
- Prepare risk reporting for senior management, Risk Committees, and the Board, ensuring data quality and consistency between SFC regulatory reporting and provisioning data.
What makes you a great fit:
- Bachelor’s degree in Economics, Industrial/Financial Engineering, Mathematics, Statistics, or a related field.
- +5 years of proven experience in consumer credit risk within an SFC-regulated financial institution.
- Strong knowledge of the CBF, SIAR, standard models, and credit provisioning regulations.
- Advanced SQL and Python or R, with strong Excel skills; Power BI or Looker is a plus.
- Strong analytical and problem-solving skills, with rigorous documentation and clear communication, particularly when presenting to senior stakeholders and committees.
- Innovative Spirit: A commitment to creativity and groundbreaking solutions.
- Honest Feedback: valuing open, transparent communication.
- Supportive Team: a strong, collaborative community.
- Celebrating Achievements: recognizing our wins together.
- High-Tech Environment: a team full of smart and revolutionary people who date to challenge the status quo of incumbent finances.
Skills
PythonSQLExcelPower BILookerRisk Management