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Join us as a BUK BFA Credit Risk - AVP, where you will be responsible for carrying out a detailed level of analytics to support the development, optimisation and subsequent performance monitoring of the Financial Assistance (Collection and Recoveries) Credit Risk minimum strategy requirements and frameworks. The role holder will be expected to take a proactive approach to analytics and be able to work autonomously.
Job Responsibility:
Identification and analysis of delinquent or restructured loans with deteriorating financial conditions
Analysis of borrower's financial statements, business plans, and market conditions to assess repayment potential
Monitoring and tracking of the performance of workout plans, ensuring compliance with agreed-upon terms
Development and proposition of comprehensive workout plans that balance recovery maximisation with borrower viability
Negotiation and finalisation of settlements or pursue litigation as necessary, in line with bank policies and regulations
Operation of an effective control environment to ensure compliance with relevant bank policies and regulations
Requirements:
Practical experience of using analytics to solve complex business problems
Good understanding of standard statistical package (SAS or SQL)
Strong communication skills (written and oral), with ability to articulate complex issues at an intuitive level to a non-Risk audience
Ability to think creatively - to challenge the norm and drive through solutions in the face of adversity and challenge
Nice to have:
Strong academic background in a mathematical discipline e.g. mathematics, statistics etc
Good understanding and experience of working in a Retail Credit Risk environment, preferably with Collections & Recoveries knowledge
Awareness of Regulatory landscape and requirements governing Risk, specifically Collections & Recoveries