This list contains only the countries for which job offers have been published in the selected language (e.g., in the French version, only job offers written in French are displayed, and in the English version, only those in English).
At Vodafone, we're not just shaping the future of connectivity for our customers – we're shaping the future for everyone who joins our team. When you work with us, you're part of a global mission to connect people, solve complex challenges, and create a sustainable and more inclusive world. If you want to grow your career whilst finding the perfect balance between work and life, Vodafone offers the opportunities to help you belong and make a real impact.
Job Responsibility:
Monitor portfolio performance indicators including delinquency, default, roll rates, and vintage analysis
Build and maintain credit scorecards and track their performance over time
Analyze portfolio trends by product, segment, channel, geography, and risk grade
Prepare and submit quarterly reports to the Financial Regulatory Authority (FRA) in line with requirements
Identify emerging risks and early signs of portfolio deterioration
Conduct root-cause analysis for delinquency and loss drivers
Support the development and monitoring of early warning indicators (EWI)
Provide insights and recommendations for portfolio actions (tightening, limits, pricing, targeting)
Support IFRS 9 / ECL analysis, provisioning, and risk parameter monitoring (PD, LGD, EAD)
Coordinate with Collections to assess strategy effectiveness and recovery performance
Prepare regular portfolio risk dashboards and management reports
Support stress testing, scenario analysis, and portfolio simulations
Requirements:
Monitor portfolio performance indicators including delinquency, default, roll rates, and vintage analysis
Build and maintain credit scorecards and track their performance over time
Analyze portfolio trends by product, segment, channel, geography, and risk grade
Prepare and submit quarterly reports to the Financial Regulatory Authority (FRA) in line with requirements
Identify emerging risks and early signs of portfolio deterioration
Conduct root-cause analysis for delinquency and loss drivers
Support the development and monitoring of early warning indicators (EWI)
Provide insights and recommendations for portfolio actions (tightening, limits, pricing, targeting)
Support IFRS 9 / ECL analysis, provisioning, and risk parameter monitoring (PD, LGD, EAD)
Coordinate with Collections to assess strategy effectiveness and recovery performance
Prepare regular portfolio risk dashboards and management reports
Support stress testing, scenario analysis, and portfolio simulations
Portfolio delinquency ratios (30+, 60+, 90+ DPD)
Non-Performing Loan (NPL) ratio within approved thresholds
Vintage and roll-rate performance versus benchmarks
Accuracy and timeliness of portfolio risk reporting
Effectiveness of early warning indicators in predicting deterioration
Loss rates and portfolio risk trends versus targets
Contribution to risk mitigation actions and portfolio optimization decisions
Compliance with risk appetite limits and internal policies
Support of IFRS 9 / ECL deliverables within agreed timelines
Stakeholder satisfaction with portfolio insights and analysis quality