KOHO is looking for a Credit Risk Manager to contribute to our growing Risk Team. Reporting to the Director of Credit Risk, you will execute initiatives that support the company's business strategies and objectives. This role offers broad exposure and the opportunity to make a significant impact on our credit risk management.

What You'll Do

Develop and produce weekly, monthly, and quarterly reports and dashboards detailing key financial and risk metrics.
Develop credit card-specific reporting frameworks including utilization tracking, revolving balance analysis, and vintage performance dashboards.
Track and evaluate the performance of Key Performance Indicators (KPIs) relevant to the business.
Extract insights from reports and communicate findings to the leadership team.
Represent the credit risk function and collaborate with key stakeholders to understand reporting requirements and improve processes.
Collaborate with predictive modellers to develop and implement credit risk models in compliance with company policies.
Construct models for forecasting losses.
Monitor the performance of existing credit strategies and suggest edits when required.
Actively participate in addressing business objectives and formulate strategies for acquisition and account management.
Design credit card underwriting strategies including adjudication, CLI, CLD, and pre-approval strategies.
Lead credit card underwriting strategy implementation in the Credit Decision Engine (CDE).
Monitor the effectiveness of current credit strategies and enhance them by exploring new and alternative data sources.
Unlock insights from complex groupings of internal and external data to enable enlightened decision-making.
Conduct deep-dive analysis on credit card portfolio performance including utilization patterns, payment behaviors, and profitability drivers.
Analyze competitive landscape and industry benchmarks to inform credit card positioning and underwriting strategy.
Present findings to the leadership team.

What We're Looking For

Bachelor's degree in a quantitative field, economics, business, engineering, or equivalent.
5+ years of experience in data analysis, strategy development, reporting, and model building, preferably in the BFSI industry.
Experience with credit card products, revolving credit risk management, and consumer lending portfolios.
Knowledge of credit card regulations, compliance requirements, and industry best practices.
Experience with real-time decisioning platforms and Credit Decision Engine implementations.
Knowledge and experience in loan loss forecasting and loss provisioning.
Proficiency in Data Visualization tools such as Tableau, PowerBI, Sigma or similar to create informative dashboards.
Strong team player with excellent interpersonal, organizational, and communication skills.
Exceptional analytical and problem-solving abilities.
Organized multi-tasker with expertise using tools to manipulate and prepare large sets of data for analysis.
Ability to work independently and collaboratively within a team environment.
Proficient in programming languages such as SQL and Python.

Nice to Have

Familiarity with data from monoline lenders or fintechs.
Experience with alternative data or Non-Prime lending.
Experience with cloud-based platforms such as AWS or GCP.

Technical Stack

SQL, Python
Tableau, PowerBI, Sigma
AWS, GCP

Team & Environment

This role reports to the Director of Credit Risk.

Benefits & Compensation

Company-wide summer wellness days, winter holiday closure, personal days.
Wellness spending account.
Maternity & parental leave top-up.
Access to an in-house certified performance coach and an annual training budget.
Every KOHO employee gets a generous amount of equity with a 10 year exercise window.