-job description*role purpose*:role holders will carry out activities that will include most of the following:- driving attainment of functional/functional unit results- co-ordinating and manage several complex projects- supporting and embedding change initiatives, identifying and developing new or improved delivery mechanisms- independently performing assignments to achieve stated objective.
also determining and developing an approach to achieve solutions- responsibility for the delivery of end results and contributing to planning, finances, budget and policy development- acting as escalation point for complex issues- negotiating mainly internally and at higher levels- responsibility for supervising a department or a functional unit/area team- management responsibility for a team of professionals, including people, performance, budget and planning decisions- acting in an advisory role/influencing the direction of his/her own discipline- understanding functional risks in own functional area and monitoring team adherence to policies*main activities*:- responsible of the full analytics flow to define the credit risk strategies which includes: swap set, simulation vintages, internal and external score matrix, creation of level of risks, approval rate impacts ( corwa, rote), segmentation, credit line asignment, benchmaking line matrix and final impact calculation- responsible of the optimization on management information and process- responsible to meet agreed deadlines- responsible to deliver on time reports from portfolios to hbmx and regional committees- responsible to communicate technical information to senior management- responsible to support and guide change initiatives- responsible to identify and escalate issues / concerns- be prepare and open to work with innovative tools such as cloud, quantum computing, etc.- responsible to advise on change activities which involve data sources, affect data processes or impact data service provision.- maintain good relations with external customers, internal customers through an effective service and communication.requirements*functional knowledge*- desirable bachelor degree in risk management, applied mathematics, finance or economics, actuarial sciences, engineering, management or business administration.- personal financial services and consumer finance.- experience on financial measures and accountability.- english skills advance- 6+ years of experience in credit risk.- experience on financial measures and accountability*others*- analytical skills and decision-making abilities.- advanced sas programming and sas miner- reserving methodologies for both ifrs and local gaap.- planning, organization skills, negotiation skills, ability to influence people and effective communication.- numerical skills and the ability to evaluate costs.- decision-making abilities.- experiences in working with auditors, regulators and compliance