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 Mexico, alongside, identifying and managing risk across the business.

Client Details

Company operates across Europe, Australia and Mexico at present and is made up of the Home Credit business.

Description

• You will own entire credit cycle from initiation of application thru money disbursement, to collection
• 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
• You will be responsible for the rules, decisions and automated systems across the credit risk lifecycle
• 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
• Constantly evaluate profitability of a product / channel and propose actions to address any challenges or utilize opportunities: eg product parameters changes or new acquisition streams
• 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

Profile

Fluent in verbal and written business English (essential)

Fluent in verbal and written business Spanish (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

Flexible - happy to roll your sleeves up when needed

Job Offer

Salary range: $100,000 - $150,000 gross salary + Bonus + Benefits