Manager – Credit Risk Scoring & Collections - Banking Sector

𝗙𝘂𝗹𝗰𝗿𝘂𝗺 𝗶𝘀 𝗵𝗶𝗿𝗶𝗻𝗴 𝗳𝗼𝗿 𝗶𝘁𝘀 𝗰𝗹𝗶𝗲𝗻𝘁 𝗶𝗻 𝘁𝗵𝗲 𝗕𝗮𝗻𝗸𝗶𝗻𝗴 𝗜𝗻𝗱𝘂𝘀𝘁𝗿𝘆 𝗳𝗼𝗿 𝗮 𝘀𝗲𝗻𝗶𝗼𝗿-𝗹𝗲𝘃𝗲𝗹 𝗽𝗼𝘀𝗶𝘁𝗶𝗼𝗻 𝘄𝗶𝘁𝗵𝗶𝗻 𝘁𝗵𝗲 𝗥𝗶𝘀𝗸 𝗠𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁 𝗗𝗲𝗽𝗮𝗿𝘁𝗺𝗲𝗻𝘁.

𝐇𝐈𝐑𝐈𝐍𝐆 | Manager – Credit Risk Scoring & Collections (VP) - Banking Sector

Grade depend on current experience

📍 𝐋𝐨𝐜𝐚𝐭𝐢𝐨𝐧: 𝐌.𝐓. 𝐊𝐡𝐚𝐧 𝐑𝐨𝐚𝐝, 𝐊𝐚𝐫 𝐜𝐡𝐢, 𝐏𝐚𝐤𝐢𝐬𝐭𝐚𝐧-onsite

🏦 𝐈𝐧𝐝𝐮𝐬𝐭𝐫𝐲: 𝐁𝐚𝐧𝐤𝐢𝐧𝐠

🏆 𝐆𝐫𝐚𝐝𝐞: 𝐕𝐢𝐜𝐞 𝐏𝐫𝐞𝐬𝐢𝐝𝐞𝐧𝐭 (𝐕𝐏)

💰 𝐒𝐚𝐥𝐚𝐫𝐲 𝐁𝐮𝐝𝐠𝐞𝐭: 𝐏𝐊𝐑 𝟔𝟎𝟎,𝟎𝟎𝟎–𝟖𝟎𝟎,𝟎𝟎𝟎 𝐩𝐞𝐫 𝐦𝐨𝐧𝐭𝐡

🗓️ 𝐖𝐨𝐫𝐤𝐢𝐧𝐠 𝐃𝐚𝐲𝐬: 𝐌𝐨𝐧𝐝𝐚𝐲 𝐭𝐨 𝐅𝐫𝐢𝐝𝐚𝐲 ⏰ 𝐓𝐢𝐦𝐢𝐧𝐠𝐬: 𝟗:𝟎𝟎 𝐀𝐌 – 𝟔:𝟎𝟎 𝐏𝐌

🎓 Qualification: Bachelor’s degree or equivalent from an HEC-recognized institute

⏳ Experience: 6–8 years of relevant experience

🏢 Department: Risk Management

📊 Reports To: Senior Manager – Enterprise Risk

𝐊𝐄𝐘 𝐑𝐄𝐒𝐏𝐎𝐍𝐒𝐈𝐁𝐈𝐋𝐈𝐓𝐈𝐄𝐒:

• Establish and implement credit scoring and collection risk management frameworks for the bank’s digital retail lending portfolio.

• Coordinate with vendors to develop and enhance credit scoring models, scorecards, and automated decision rules.

• Develop customer segmentation and risk-based underwriting strategies using transactional, repayment, behavioural, and alternative data.

• Develop and monitor Early Warning Indicators (EWIs) to identify potential delinquency risks.

• Design and optimize pre-delinquency and delinquency collection strategies.

• Analyse portfolio performance, delinquency trends, roll rates, cure rates, recovery rates, and vintage performance.

• Monitor scorecard effectiveness and establish risk-based cut-offs, thresholds, and decision rules.

• Collaborate with Credit Risk, Collections, Business, Data Analytics, and Technology teams to implement automated decision engines.

• Establish KPI/KRI reporting and provide analytical insights to senior management.

• Ensure proper documentation, governance, and continuous monitoring of scoring models and collection strategies.

𝐑𝐄𝐐𝐔𝐈𝐑𝐄𝐃 𝐒𝐊𝐈𝐋𝐋𝐒 & 𝐄𝐗𝐏𝐄𝐑𝐓𝐈𝐒𝐄:

• Credit scoring and scorecard development.

• Credit risk analytics and portfolio risk management.

• Retail and digital lending risk.

• Application, behavioural, and collection scorecards.

• Customer segmentation and collection strategy optimization.

• Portfolio performance analysis and delinquency monitoring.

• Early Warning Indicators and pre-delinquency risk identification.

📩 How to Apply:Send your updated CV to iqra.nasir@fulcrum-pk.com

mentioning “Manager Scoring/Collection – VP” in the subject line.

#Hiring #BankingJobs #PakistanBanking #CreditRisk #CreditRiskAnalytics #CreditScoring #CollectionsManagement #CollectionStrategy #RiskManagement #RiskAnalytics #PortfolioRisk #RetailBanking #DigitalBanking #DigitalLending #CreditRiskManagement #CreditScorecards #RiskModelling #KarachiJobs #PakistanJobs #VPJobs #SeniorManagement #Fulcrum