Financial Risk Strategy & Analytics Manager

Credit Risk Analytics & Forecasting:

• Own the development and execution of short- and long-term delinquency and loss forecasting models.
• Calculate Expected Credit Loss (ECL) and drive the monthly provisioning process in strict accordance with IFRS 9 standards.
• Design and execute comprehensive stress testing scenarios to assess portfolio resilience under various scenarios.

Non-Credit Financial Risk Management:

• Develop and maintain monitoring and reporting frameworks for non-credit financial risks, including interest rate, market, and liquidity risk.
• Perform a second line of defense role in understanding and challenging the data, models, and assumptions used in risk assessments.
• Execute stress tests for non-credit risks to ensure KOHO maintains adequate liquidity and capital buffers in line with regulatory requirements and internal risk appetite.

Cross-Functional Collaboration & Insight Generation:

• Produce high-quality reporting for the Board and senior leadership, translating complex analytical results into clear, strategic recommendations.
• Collaborate with Data Analytics and Data Science to enhance data pipelines and infrastructure, identifying new data sources, and ensuring the integrity and availability of risk data.
• Work closely with Finance on capital planning and economic forecasting, and with Product to optimize credit strategies based on risk-adjusted returns.