Senior Risk Analyst (Portfolio Risk)

About the role

renmoney is seeking a Senior Risk Analyst to lead portfolio risk analytics, credit performance monitoring, and Expected Credit Loss (ECL) modeling. The role works closely with Risk, Finance, Product, Collections, and Technology teams to turn data into actionable insights that improve portfolio profitability and support strategic initiatives such as Risk‑Based Pricing and digitalization.

Key responsibilities

• Monitor and analyze portfolio performance across all lending products, identifying emerging risks and opportunities.
• Develop, automate, and maintain risk dashboards, management and executive reports.
• Lead portfolio initiatives including Risk‑Based Pricing, digitalization, and optimization projects.
• Own the portfolio ECL and impairment analysis in line with IFRS 9 requirements.
• Provide profitability analysis, forecasting credit losses, and scenario modeling.
• Design and enhance monitoring frameworks, early‑warning indicators, and risk metrics.
• Collaborate with data, finance, product, collections, and technology teams to improve data quality and reporting automation.
• Conduct deep‑dive analyses, stress testing, and support regulatory reporting and audits.

Required profile

• Strong analytical capabilities with deep knowledge of retail lending portfolios.
• Experience applying IFRS 9/ECL methodologies in a fast‑paced financial services environment.
• Ability to translate complex data into clear business recommendations.
• Senior‑level experience in credit risk management and portfolio analytics.

Required skills

• IFRS 9 compliance
• ECL modeling
• Portfolio risk analytics
• Dashboard development and reporting automation