Position: Credit Risk & Analytics Manager
Company: FLOW
Experience required: 5y
English level: upper

At FLOW, we believe in developing and nurturing talents to be future leaders who care about the communities that we interact with and the people within. As such, we are always on the hunt for motivated and driven individuals to join us on this exciting journey. We are currently looking for a vibrant and fun-loving person to join our growing team as a Credit Risk & Analytics Manager.

 
**Core Responsibilities**
- Comprehensive analysis of portfolios for Non-Performing Loans (NPL),
- Analysis of the application and behavioral parameters of borrowers, segmentation / clustering, distribution, etc.,
- Assessment of the efficiency of collection performance based on operational data,
- Develop and build financial forecasting models,
- Calculate price proposals of company services for partners and clients,
- Perform investment valuation of NPL portfolios (IRR, NPV, BEP, CF, ROI),
- Prepare analytical and monitoring reports for presentation during Risk Committee meetings and Management Board calls,
- Provide analytical support for other business projects, such as building statistical, economical, or forecasting models.


**Qualifications & Skills**
- 5 years of relevant experience in credit risk, investment valuation, or portfolio valuation – preferably in collection companies, banks, financial institutions, or telecommunication companies,
- Holds a degree in Mathematics, Statistics, Economics Cybernetics, or other relevant fields,
- Good ability to communicate in English verbally and in written form (Intermediate; B1, B2),
- Strong SQL knowledge is a must (complex queries, stored procedures, functions),
- Proficient in the MS Office suite,
- Advanced Excel knowledge,
- Knowledge of the Python programming language will be an advantage,
- The ideal candidate should be proficient in data analysis and visualization, possess an analytical mind set, and meticulous,
- Good knowledge about credit (loan lifecycle, loan structure, etc).