Credit Risk Portfolio Manager

As a Credit Risk Portfolio Manager at YouLend, your main responsibilities include developing and implementing credit risk strategies across various portfolios, mentoring a team of analysts, and designing underwriting procedures to optimize commercial outcomes. You will also leverage your analytical skills to develop data-driven strategies that influence decision-making at all levels of the organization.

To be considered for the Credit Risk Portfolio Manager position at YouLend, candidates should have over 8 years of experience in credit risk analytics, particularly in SME or unsecured consumer lending. Proficiency in SQL and/or Python is crucial, alongside a proven ability to lead analytics teams and manage large-scale projects successfully. Excellent communication and stakeholder management skills are also vital.

YouLend is committed to professional development, offering mentorship and opportunities for Credit Risk Portfolio Managers to lead impactful projects. The supportive environment encourages continuous learning, allowing managers to grow their skills in analytics while influencing strategic business outcomes. You will also have access to various resources and training programs to enhance your expertise.

The Credit Risk department at YouLend consists of a close-knit group of analysts working under the direction of the Credit Risk Portfolio Manager. The team collaborates with cross-functional teams to devise innovative strategies, ensuring that analysts can contribute meaningfully to the overall credit risk management strategy while enhancing their collaborative abilities.

YouLend offers a comprehensive benefits package to its Credit Risk Portfolio Managers, including stock options, private medical insurance, enhanced parental leave, and numerous perks such as a modern office environment, a gym, subsidized lunches, and social events. This reflects YouLend's commitment to fostering a supportive and rewarding workplace culture.

When answering this question, provide specific examples from your past experiences where you designed and implemented credit risk strategies. Highlight the impact these strategies had on business outcomes and any analytical tools you used, such as SQL or Python.

Discuss your approach to prioritization, such as assessing risk levels or potential returns on different portfolios. Mention any tools or frameworks you employ to effectively manage and streamline your workload.

Emphasize the importance of data analytics to drive insights and decisions in credit risk management. Describe your experience with SQL or Python and how you've used data analytics to influence credit policies and strategies.

Illustrate your communication strategies and techniques in a collaborative environment. Provide examples of how you've successfully partnered with other departments to achieve common goals, stressing the importance of transparency and open dialogue.

Think of a specific challenging project or scenario where your leadership was tested. Describe the project, the hurdles faced, and the successful outcomes you achieved through strategic leadership and teamwork.

Discuss the mentoring strategies you employ to help team members grow professionally. Mention how you assess their skills, provide constructive feedback, and create opportunities for professional development.

Explain your conflict resolution techniques, stressing the importance of understanding different perspectives and employing diplomacy. Share a real-life example where you navigated a conflict to a successful resolution.

Share the key performance indicators (KPIs) you believe are essential for evaluating credit risk, such as default rates, loss severity, and exposure at default. Discuss how you've used these metrics in past analyses.

Describe your methods for staying informed about legal regulations and compliance issues, such as subscribing to industry publications, attending conferences, or participating in webinars. Emphasize your commitment to remaining compliant and ethical in your work.

Your answer should reflect your understanding of YouLend's mission, its culture, and your alignment with its values. Discuss what excites you about the role and how you see yourself contributing to the team and the broader company goals.