Head of Credit Policy, Cards and Personal Loans (AAR 46374)

The candidate will report directly to the Retail Credit Policy Head and will be coordinating a team of 4 to 7 resources.

She/He will be responsible for managing credit risk for the Credit Cards portfolio through management of the credit policy & procedures, guiding the reporting & monitoring requirements, defining the analytical work and communicating to and engaging with stakeholders to ensure credit strategies are successful.

• Degree in Statistics, Economics, Math or Engineering
• At least 5 to 7 years of previous experience in Credit Risk Management for Credit Cards or in general Consumer Credit products.
• Fluent English and Italian strongly preferred.
• Proficiency in SAS will be advantageous
• Ability to work following objectives/timelines
• Ability to resist to pressure and stress
• Team working capability and good communication skills

• Define/review Credit Policies coordinating the team in charge for Italy cards portfolio management.
• Execute the Impairment calculation on monthly basis and provide the Risk appetite assumptions to the “Impairment & Collection Strategy” office for the forecast activities.
• Defining specific KRIs to evaluate risk trends, segment/product analysis and at the same time define the actions to put in place the right risk mitigantes.
• Set the Acceptance Strategy consistent with the Risk Appetite
• Support the business growth and risk optimization also in term of risk/reward and portfolio profitability.
• Support the Models team and the BIS 2 PMO team to deploy in production all the processes to meet BIS 2 Advanced requirements.
• Assume the responsibility, as Cards Risk Champion for the NPA (New Product Assessment) process, supporting the Bank to evaluate the risk, the product profitability and the mitigantes to take on.
• Support the Business, through specific analysis, to address the commercial actions on the less risky segments.

SEBA International