Beschreibung
For our client in the banking sector, we are looking for a candidate for the position of Credit Risk Advisor - Product Owner, in Vienna, Austria.Tasks:
- Design and setup of the credit policy
- Defines and setup the credit policy for unsecured consumer loan sold digital e2e through a mobile App in Poland to new–to–bank private individuals. This policy includes an automated loan underwriting process (rules & engine), comprehensive credit policy rules incl. general knock-out criteria, credit bureau/s rules & know outs, scoring (including 3rd party scores to leverage), credit capacity calculation, disposable income definition, income verification rules, all tailored-made for the Polish market, compliant with the local regulation and law requirements.
- Defines detailed requirements for the implementation of integration with local Polish credit bureau/s and other eventual 3rd parties providing data or scores to be utilized in loan underwriting.
- Setups a fraud policy efficient for the business model providing consumer loans remote and digital end-to-end to new-to-bank private individuals.
- Defines the set of tools for loan portfolio credit risk management and elaborates respective solution epics.
- Acts (during his/her assignment) as the product owner of a set of digital solution epics related to the loan underwriting process, fraud and loan portfolio management tools, responsible for drafting epics, user stories/solution acceptance criteria according to the methodology and format as required.
- Ensures the allocated/entrusted part of the digital lending product backlog is ready for IT development, ensures a shared understanding of the credit risk assessment domain with IT delivery teams.
- Elaborates user stories into acceptance criteria, discusses requirements with IT architects in terms of feasibility, prepares and supports sprints grooming and planning sessions.
Your qualification:
- 7+ years of relevant credit risk management experience preferably in the Polish market with a focus on risk policy setup, testing and maintenance in a financial institution
- Project management experience with agile delivery
- Familiar with digital banking specific needs requirements in area of credit risk management
- Seniority in coordination of various project stakeholders across the bank, closely working with other product owners and IT delivery teams
- Experience in negotiation with risk systems and services providers, incl. credit bureau providers
Soft skills:
- Drive for results
- Customer focus
- Pro-active attitude and team orientation taking ownership for tasks deliveries
- Excellent communication skills
- Structured working approach and problem-solving skills
- Very good command of English (mandatory)
- Motivation to constantly improve and learn new technologies
Location: Vienna
Start: asap
Duration: 12 months +
Onboarding: remote
3+2 or 2+3 on-site after quarantine
Contact Person:
Lucia Matlovi?ová
Sourcing Manager CoolPeople AT