Senior Manager Portfolio Risk &Underwriting Strategy (m/f/d)

Holistic strategy development: development and management of the credit policy across the entire credit life cycle – from automated application testing to collection strategy Automation Roadmap: Transition to fully automated credit decisions in the small-ticket sector incl. Real-time decisions for POS partners Exposure & Concentration Control: Monitoring and Defining Limits for Industry-related Concentrations as well as Largexposure Groups Optimization of the collection strategy: Implementation of data-based recovery strategies (e.g. propensity-to-pay models) to minimize LGD and optimize collection costs Coordination of risk-based pricing: managing risk-oriented pricing together with product and pricing teams to ensure risk-appropriate margins

Complete master's degree in finance, economics, business management or a technology-oriented course At least 10 years of experience in a financial institution (leaning or bank) in a risk department focusing on risk strategy development, ongoing control and optimization, and portfolio management Credit Scoring & Model Calibration: Practical experience in the development and fine tuning of application scorecards (A‐Score) and behavioral models (B‐Score) Decision-Engine-Logik: Expertise in Configuring Decision Rules to Enable Straight-Through-Processing (STP) A/B-Testing & Champion/Challenger: Ability to design and conduct tests on credit rules to optimize the approval rate without increasing the delinquence Data-driven underwriting: Secure handling of classic information and alternative data for automated financial assessment Analytical Toolset: Very good knowledge in SQL, Python or R to gain insights from large datasets and identify portfolio developments

Unlimited employment in a successful international company with an attractive remuneration, Christmas money and bonus payment Collaborative corporate culture with flat hierarchies and short decision paths Modernly equipped office spaces in central city location, canteen with food grant from the employer Modern, hybrid working time model, mobile work (40%) Intensive training and an annual budget for individual training asset-effective services, occupational retirement provision with employer grant, company fitness offer eGym Wellpass, grant to the Deutschlandticket, service leasing, corporate benefits