KOHO is looking for a dynamic Credit Risk Manager to join our growing team. This role offers a broad base of exposure in risk management, with an opportunity to make a significant impact within our organization.
Requirements
- Develop and produce weekly, monthly, and quarterly reports and dashboards detailing key financial and risk metrics at both product and portfolio levels.
- Develop credit card-specific reporting frameworks including utilization tracking, revolving balance analysis, payment rate monitoring, and vintage performance dashboards to support portfolio management and regulatory requirements.
- Track and evaluate the performance of Key Performance Indicators (KPIs) relevant to the business.
- Extract insights from reports and communicate findings to the leadership team.
- Represent the credit risk function and collaborate with key stakeholders (e.g., Product, Finance, Data, Engineering) to understand reporting requirements and improve reporting processes.
- Collaborate with predictive modellers to develop and implement credit risk models (behavioral/adjudication) in compliance with company policies.
- Construct models for forecasting losses.
- Monitor the performance/effectiveness of existing credit strategies and suggest edits, if and when required.
- Actively participate in addressing business objectives and formulate and implement strategies for acquisition and account management.
- Design credit card underwriting strategies including adjudication, CLI, CLD, and pre-approval strategies.
- Lead credit card underwriting strategy implementation in Credit Decision Engine (CDE).
- Monitor the effectiveness of current credit strategies and enhance them by exploring new and alternative data sources.
- Unlock insights from complex and diverse groupings of internal and external data, and tell a story with the data that enables enlightened decision-making.
- Conduct deep-dive analysis on credit card portfolio performance including utilization patterns, payment behaviors, and profitability drivers.
- Analyze competitive landscape and industry benchmarks to inform credit card positioning and underwriting strategy.
- Present findings to the leadership team.
Benefits
- Competitive compensation & equity
- Fantastic, Deeply Engaged Team
- Generous vacation + Wellness days + Flex Days + holiday closure
- Remote-first environment + coworking support + yearly all hands retreat
- Access to coaching & growth programs
- Parental top-up & leave policies
- Comprehensive health benefits
- Power-up budgets for books, home office setup, phone & internet, AI tools, and professional development
