Credit Risk Manager Tamara 

Your Responsibilities

• Develop and implement credit risk policies, strategies, and procedures.
• Assess creditworthiness of applicants through credit scoring models, credit reports, and financial analysis.
• Monitor and manage credit exposure, delinquency rates, and portfolio performance.
• Continuously optimize risk and pricing strategies to maximize profitability while minimizing credit losses.
• Develop and implement fraud prevention strategies and controls.
• Monitor transactions and customer behavior for signs of fraudulent activity.
• Investigate suspicious transactions and collaborate with law enforcement agencies when necessary.
• Stay updated on emerging fraud trends and technologies.
• Utilize data analytics to identify and assess credit and fraud risks.
• Prepare regular reports and dashboards to communicate risk trends and performance to senior management.
• Implement data-driven decision-making processes.
• Ensure compliance with relevant financial regulations and industry standards.
• Collaborate with the compliance team to address regulatory requirements related to credit and fraud risk management
• Work closely with product, engineering, and customer service teams to integrate risk management measures into product design and customer interactions.
• Provide guidance on risk implications during new product development.
• Balance risk mitigation measures with a seamless and positive customer experience.
• Communicate risk policies and actions to customers effectively and transparently