Beschreibung
Lead Credit Risk Analyst - SAS - Secured Loans
Lead Credit Risk Analysts required for a leading Financial Services organisation based in Germany.
As Lead Credit Risk Analyst you will take ownership of secured loans portfolios, specifically with responsibility for shaping strategy and policy and undertaking deep-dive analytics using SAS. If you have a background in SAS/Analytics and/or Credit Risk we'd be keen to hear from you.
Lead Credit Risk Analyst - SAS responsibilities:
Undertake data driven analysis (primarily SAS) to support the implementation of Front End credit risk strategies, including scorecard cut off levels and policy rules (eg high loan refer limits) for individuals within their portfolio.
Produce loss rate forecasts for motor dealers within their portfolio to enable regular re-pricing of to reflect expected losses.
Ensure effective tracking of past credit strategies, policies and tests and their impact on the business (P&L impact), and adjust policy and credit strategy based on those results. Should be able to recommend credit strategy changes based on MIS and tracking and be able to quantify the program impact in terms of key P&L line items.
Deliver MIS (SAS) in order to monitor portfolio risk and performance versus expectation, altering credit strategy & policy in the light of performance.
Deliver clear, concise, and effective communication of the credit risk strategy, policy and results to team leader and other key stakeholders
Track and report customer arrears and defaults, analysing trends and providing early warning of looming deterioration
Maintain asset repossessions forecasts
Monitor loan capital shortfalls in cases of voluntary termination and end-of-contract asset hand-backs
Report (SAS) relevant portfolio statistics to FLA to comply with industry reciprocity agreements
Perform ad hoc analysis to meet business requirements and project deadlines.
Work with Collections to incorporate repossession projections into impairment forecasts
Oversee the provision to Finance of asset revaluations and capital shortfall forecasts from voluntary terminations and vehicle hand-backs
Maintain regular contact with Sales to keep in touch with market developments
Credit Risk/Analytics/Portfolio Management/Strategy/Policy/Acquisitions/Lending/Loans/Secured/Cards/SAS/SQL/Performance Monitoring/Trend Analysis/Stakeholder Management/Banking/Financial Services