Credit Risk Advisor / Product Owner (m/f/d)

REFERENCE NUMBER:

478601/1

MY DUTIES:

- Define and setup the credit policy for unsecured consumer loan sold digital e2e thru a mobile App in Poland to new-to-bank private individuals
- This policy includes: 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.
- Define detailed requirements for implementation of integration with local Polish credit bureau/s and other eventual 3rd parties providing data or scores to be utilized in loan underwriting
- Setup a fraud policy efficient for the business model providing consumer loans remote and digital end-to-end to new-to-bank private individuals
- Define the set of tools for loans portfolio credit risk management and elaborates respective solution epics
- Act (during his/her assignment) as the product owner of a set of digital solution epics related to loan underwriting process, fraud and loans portfolio management tools, responsible for drafting epics, user stories/solution acceptance criteria according to the methodology and format as required  
- Ensure the allocated/entrusted part of digital lending product backlog is ready for IT development, ensure shared understanding of the credit risk assessment domain with IT delivery teams  
- Elaborate user stories into acceptance criteria, discusses requirements with IT architects in terms of feasibility, prepares and supports sprints grooming and planning sessions

MY QUALIFICATIONS:

- Relevant credit risk management experience preferably in Polish market with 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 service providers, incl. credit bureau providers

MY BENEFITS:

- Working for a renowned banking client in an international team of specialists
- Responsibility and the opportunity to set a direction 
- Remote option

ABOUT HAYS:

True financial experts are rare – and in great demand. They also command a high price on the job market. We open doors for financial specialists in fields such as accounting, controlling, corporate banking, interim management, risk management and treasury. By drawing on your interests and experience, we will find the right job for you, because with us, specialists find their ideal working environment – all completely free of charge. Register with us and reap the benefits of job offers that are both interesting and relevant to your skills and experience.

MY CONTACT AT HAYS:

My contact person
Ivona Bosnjak

Reference number
478601/1

Contact
E-Mail: [email protected]
Phone: +43-(0)1-5353443286