Engagement Manager - Credit Risk Strategy

Inizio Partners; Wilmington (DE); Hybrid; USD 120,000 - 150,000; Full time

Benefits offered by this job

Hybrid work model

Job summary

Inizio Partners seeks a Credit Risk Strategy Engagement Manager to develop and implement credit risk frameworks that optimize risk and profitability while ensuring portfolio stability. The role involves leading data-driven analyses and collaborating with Regulatory, Product, Analytics, and Risk teams.

You will analyze credit lifecycles, monitor performance metrics, and present strategic recommendations to senior leadership, driving governance approvals for new policies and strategy changes.

Qualifications

• 7+ years of experience in credit risk management and strategy development.
• Analytics consulting experience in the Banking Domain.
• Strong proficiency in SQL or Python; Databricks experience preferred.

Responsibilities

• Develop and implement credit risk strategies with cross-functional stakeholders.
• Conduct end-to-end data analysis across credit lifecycle stages (ECM, Acquisition, CLI, CLD).
• Monitor portfolio performance metrics and identify improvement opportunities.
• Present insights and recommendations to senior leadership for governance approvals.
• Leverage lending product knowledge to identify performance gaps and optimize risk-adjusted returns.
• Collaborate with business and risk teams to design and deploy credit policy changes.

Skills

SQL

Python

Databricks

Stakeholder leadership

Analytical skills

Education

Bachelor's degree in engineering

Job description

Work Mode: Hybrid (1-2 days/ week in office)

Client is open to consider candidates who are open to work from Wilmington office 1-2 days per week. Can be based anywhere in East Coast.

2 open positions - One senior resource (7-12 years exp.) and second one junior (5 years exp.)

Role Summary:

We are seeking a highly skilled and experienced Credit Risk Strategy Engagement Manager to join our dynamic team. The ideal candidate will be responsible for developing and implementing credit risk frameworks to optimize the risk and profitability, ensuring the stability of client portfolio.

Responsibilities:

• Develop and implement credit risk strategies by collaborating with cross-functional stakeholders, including Regulatory, Product, Analytics, and Risk teams, ensuring alignment with business objectives and compliance requirements.
• Conduct end-to-end data analysis across multiple stages of the credit lifecycle, including Existing Customer Management (ECM), Acquisition, Credit Line Increase (CLI), and Credit Line Decrease (CLD), to identify risks, opportunities, and performance improvement areas.
• Monitor and track portfolio performance metrics, analyzed emerging trends, and recommended strategic enhancements to optimize risk-adjusted returns and portfolio health.
• Present analytical insights and strategic recommendations to senior leadership, driving consensus through governance forums and securing approvals for policy and strategy implementation.
• Leverage a strong understanding of lending products and credit risk frameworks to identify performance gaps, evaluate strategy effectiveness, and implement data-driven optimization initiatives.
• Partner with business and risk stakeholders to design, test, and deploy credit policy changes, ensuring successful execution and measurable business impact.

Qualifications:

• Educational Background: Bachelor's or higher degree in engineering or any relevant field
• Industry Experience: Minimum of 7 years of experience in credit risk management, with a focus on strategy development. Previous experience of analytics consulting in Banking Domain.
• Technical Skills: Strong proficiency in SQL or Python is essential. Preference to Hands-on experience with Databricks
• Analytical Skills: Strong analytical and problem-solving skills. Past experience in statistical analysis and financial modeling.
• Communication Skills: Strong communication and interpersonal skills, with the ability to collaborate effectively with stakeholders at all levels. Leadership experience with a track record of managing and developing high-performing teams.