We seek an analytical and detail-oriented Risk Assessment Manager to oversee the risk management of our Buy Now, Pay Later (BNPL) scheme.
The ideal candidate will have a strong background in credit risk analysis, data analytics, and  financial modelling, focusing on assessing and mitigating risks associated with consumer  financing. 
Key Responsibilities:

Credit Risk Evaluation: Conduct thorough credit assessments of potential customers to evaluate their eligibility for the BNPL scheme.
Data Analysis: Utilize data analytics and machine learning models to identify high-risk customers and predict default probabilities.
Risk Mitigation Strategies: Develop and implement strategies to mitigate risks, including setting credit limits and repayment terms.
Fraud Detection: Implement and monitor fraud detection systems to prevent fraudulent transactions.
Regulatory Compliance: Ensure compliance with relevant regulations and industry standards related to consumer financing.
Reporting: Generate detailed reports on risk assessments, default rates, and overall performance of the BNPL scheme.
Collaboration: Work closely with the finance, customer service, and IT teams to ensure seamless integration of the BNPL scheme.

Qualifications:

Education: Bachelor’s or master’s in finance, Economics, Data Science, or a related field.
Experience: Minimum of 5 years experience in credit risk management, financial analysis, or related roles.
Technical Skills: Proficiency in data analytics tools (e.g., Excel, SAS, R, Python) and experience with credit scoring models.
Analytical Skills: Strong analytical and problem-solving skills with the ability to interpret complex data.
Attention to Detail: High level of accuracy and attention to detail.
Communication: Excellent verbal and written communication skills, with the ability to present complex information.
Regulatory Knowledge: Understanding of consumer credit regulations and compliance requirements.

Preferred Skills:

Experience with BNPL schemes or consumer financing products.
Knowledge of machine learning algorithms and their application in risk assessment.
Project management experience