Develops greenfield credit risk operations for new digital lending business line, mainly debt collection and restructuring, implements respective Bank Group credit risk methodology within the new business line.
Sets past due loans classification and tools for credit risk portfolio steering and stress testing.
Defines system parameters for collection activities, designs collections operations with aim to reach largely automated soft collection process.
Ensures methodological compliance with credit risk areas - DPD counter, default recognition, forbearance, provisioning.
Defines fraud risk management policies and reflects these in respective solution epics.
Formulates requirements (RfP) and orchestrates procurement / outsourcing process for external collection agencies and legal collection agencies, including setting up SLAs.
Elaborates digital lending solution risk operations / collections related epics, requirements / specifications for credit risk monitoring and management tools, e.
g. a DPD recognition, rules for default and forbearance, stress testing, collection strategies, loans restructuring policy, recovery and write off, ultimately responsible for drafting epics, process flow charts and user stories / artifacts, providing detailed requirements for technical infrastructure setup.
Ensures entrusted part of digital lending product backlog is ready for development, aligns on with Bank Credit risk stakeholders, orchestrates new requirements inflow, provides full documentation of the domain to the IT delivery team.
5+ years Retail banking credit risk management experience preferably in area of collection, credit risk management tools, risk infrastructure / operations setup and maintenance in a financial / lending institution or advisory
Knowledge of debt collection practices in CEE markets
Senior skills in dealing with external collection agencies, legal collection agencies, debt sale investors
Great orientation in risk management and collections tech. stack
Following skills / experience are an additional asset :
Experience in setting up an automated / semi-automated soft collections
Experience in implementation of risk-related IT solutions
Fluent Polish or other CEE language
Confluence, Jira (for documentation)
Credit risk monitoring techniques / methodology / legislation and reporting tools
Risk reporting and collections IT solutions / toolsets
Outsourced collections establishment and setup (able to run a tender)
Parallel Consulting is acting as an Employment Business in relation to this vacancy.