Location
Bangalore | India
Job description
About Bluevine
Bluevine is a high-growth FinTech company empowering small businesses with innovative banking. By combining industry-leading technology and security with our team's expertise and care, we've helped 200,000+ businesses, funding more than $9 billion since 2013. We're headquartered in Jersey City, NJ, we've recently raised $102.5M and are backed by top investors, including Menlo Ventures, Lightspeed Ventures, Citi Ventures, SVB Financial, Nationwide Insurance, and M12. For more information, check out our LinkedIn Page .
Role Summary We are looking for a highly skilled and motivated professional to join as the Manager, Credit Risk Strategy team based out of Bangalore, India. The successful candidate will possess a strong analytical mindset, a deep understanding of credit risk management, and the ability to make data-driven decisions.
The candidate will use their knowledge of credit risk management and data analytics in monitoring and maintaining our credit risk decision quality and will be responsible for developing, implementing, and overseeing credit risk strategies. The candidate will report functionally to the Senior Manager of Credit Risk Strategy, based out of US, and locally to the Senior Manager of Risk Ops and Strategy, based out of Bangalore, India.
Responsibilities - Partner closely with lending managers and cross-functional teams like product, marketing, legal and compliance, risk ops, collections, risk analytics, finance, & capital markets to identify and recommend opportunities to improve credit risk strategies, while managing customer experience and profitability
- Enhance existing credit policies and workflows and help build a strong, scalable process
- Regularly monitor and evaluate the performance of the credit portfolio to identify emerging risks and opportunities for improvement
- Conduct thorough analysis of credit data, market trends, and economic indicators to identify potential risks and opportunities
- Build and manage a small team of analysts. Provide the team with coaching and mentoring to develop and retain strong talent at Bluevine
- Provide data-driven insights to senior management to support strategic decision-making
- Identify opportunities and scale additional areas of risk reporting and strategy
What are we looking for - Strategic & analytic orientation - Strategic mindset with the ability to align credit risk management strategies with overall business goals. Conceptual thinking skills must be complemented by a strong quantitative orientation with ability to drive decision-making & problem-solving based on data.
- Strong business judgment, leadership and integrity: Ability to make informed and timely decisions based on data analysis and risk assessments
- Ability to navigate unstructured problems - Someone who gets excited about creating structure from an unstructured problem area; and is not afraid to get their hands dirty
- Strong communication skills: Ability to convey complex credit risk concepts to diverse audience, including executives, team members, and other stakeholders
- Clear results orientation: Display an intense focus on achieving both short and long term goals
- Adaptability: Ability to adapt to changing market conditions, regulations, and business environments. Someone who is excited to work in a fast paced, entrepreneurial and dynamic environment.
- Continuous Learning: Eagerness for ongoing professional development and staying informed of industry trends
Required Experience And Education - Bachelor's Degree in any quantitative field (Business, Math, Economics, Finance, Statistics, Science, Engineering)
- 6+ years in credit risk and/or analytics
- 1+ years as a people's manager preferred
- SQL, BI and Excel high proficiency
Not Required, But a Plus - Experience in Financial services (U.S. bank/fintech/line of credit/credit card experience a plus)
- Experience in Credit products
- Experience in Data science
- Knowledge of Python
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