Manager – Credit Risk Scoring & Collections (VP)

About the role

Fulcrum is hiring on behalf of its client in the banking industry for a senior-level position within the Risk Management department of a bank in Karachi, Pakistan. The role reports to the Senior Manager – Enterprise Risk and focuses on credit scoring, scorecards, collections and portfolio risk for the bank's digital retail lending business. It is an onsite, Monday to Friday position.

Key responsibilities

• Establish and implement credit scoring and collection risk management frameworks for the bank's digital retail lending portfolio.
• Coordinate with vendors to develop and enhance credit scoring models, scorecards and automated decision rules.
• Develop customer segmentation and risk-based underwriting strategies using transactional, repayment, behavioural and alternative data.
• Develop and monitor Early Warning Indicators (EWIs) to identify potential delinquency risks.
• Design and optimise pre-delinquency and delinquency collection strategies.
• Analyse portfolio performance, delinquency trends, roll rates, cure rates, recovery rates and vintage performance.
• Monitor scorecard effectiveness and set risk-based cut-offs, thresholds and decision rules.
• Collaborate with Credit Risk, Collections, Business, Data Analytics and Technology teams to implement automated decision engines.
• Set up KPI/KRI reporting and give analytical insights to senior management.
• Ensure proper documentation, governance and continuous monitoring of scoring models and collection strategies.

Required profile

• Bachelor's degree or equivalent from an HEC-recognised institute.
• 6-8 years of relevant experience.
• Reports to the Senior Manager – Enterprise Risk.

Required skills

• Credit scoring and scorecard development.
• Credit risk analytics and portfolio risk management.
• Retail and digital lending risk.
• Application, behavioural and collection scorecards.
• Customer segmentation and collection strategy optimisation.
• Early warning indicators and pre-delinquency risk identification.

The salary budget is PKR 600,000-800,000 per month, with working hours 9:00 AM to 6:00 PM. Candidates apply by sending their updated CV to the recruiter, mentioning "Manager Scoring/Collection – VP" in the subject line.