Senior Credit Risk Analyst

As a Senior Credit Risk Analyst at KOHO, your primary responsibilities include monitoring the health of credit products, developing and implementing credit risk models and strategies, and creating insightful reports for stakeholders. You'll also conduct in-depth data analyses and forecast financial losses to ensure credit reserves are adequate.

To excel as a Senior Credit Risk Analyst at KOHO, you should have a robust background in credit risk reporting, proficiency in SQL, Python, and Excel, and experience with data visualization tools. Strong analytical capabilities and excellent communication skills are also crucial, along with a willingness to learn about alternative data and various risk management strategies.

Candidates for the Senior Credit Risk Analyst role at KOHO should possess proven experience in credit risk reporting, preferably within a financial institution. Familiarity with building machine learning models, loss forecasting, and cloud platforms like AWS or GCP is advantageous.

At KOHO, we invest in professional development for all employees, including those in the Senior Credit Risk Analyst position. You'll have access to an in-house certified performance coach and an annual training budget to help you enhance your skills and grow within the company.

KOHO prioritizes work-life balance for its employees, including Senior Credit Risk Analysts, by offering company-wide wellness days, a summer closure, personal days, and a maternity & parental leave top-up. We believe that a healthy work-life balance is crucial for achieving optimal performance.

In your response, highlight specific roles where you managed credit risk reporting, the tools and methodologies you used, and your contributions to improving risk metrics. Share any successful projects and the impact they had on the organization.

Describe your methodology for building a loss forecasting model, which might include data collection, identifying predictive variables, and testing the model's accuracy. Share experiences where your models led to significant insights or improvements.

Discuss how data visualization aids in interpreting complex risk data and communicating key findings to stakeholders. Mention specific tools and examples of how you’ve used dashboards to drive strategic decisions.

Share examples of how you've successfully managed multiple priorities in previous roles. Discuss strategies you use for time management and ensuring that all key projects are delivered on time.

Provide an example that illustrates your analytical skills and decision-making process. Detail the data analysis you conducted, your recommendations, and the resultant actions taken by your team or organization.

Discuss any relevant experience you have developing or implementing machine learning models in credit risk. Explain the outcomes and how these models improved risk evaluation practices.

Mention resources you follow, such as industry publications, webinars, or professional organizations. Illustrate how you’ve implemented recent trends or regulatory changes into your work.

Talk about your alignment with KOHO's values, such as collaboration and inclusivity. Share experiences that demonstrate your adaptability and how you foster a positive workplace culture.

Provide examples of the types of alternative data sources you’ve researched or implemented in your analyses and how they led to better risk evaluation and decision-making.

Discuss the metrics you analyze to evaluate credit strategy effectiveness and the steps you take when a strategy does not meet expectations. Mention any adjustments or overhauls you've successfully led.