Senior Credit Risk & Scoring Consultant – Contract

This is a fully remote position, open to applicants in South Africa.

📋 Description

• Develop and execute tailored credit scorecards.

• Enhance models for assessing willingness-to-pay and affordability.

• Review and optimize processes for debit checks and income verification.

• Create segmentation strategies for various customer risk profiles.

• Establish frameworks for risk-based pricing and approvals.

• Implement portfolio monitoring and early warning systems.

• Design comprehensive credit risk management frameworks.

• Establish lending policies, procedures, and governance controls.

• Develop processes for operational risk and collections management.

• Define authorities for credit approval and escalation procedures.

• Implement reporting on portfolio performance and KPI dashboards.

• Enhance strategies for managing arrears and collections.

• Assist in cultivating a healthy, scalable loan portfolio.

• Improve profitability and risk-adjusted returns on the portfolio.

• Optimize strategies for underwriting and collections.

• Support portfolio growth while controlling default risk.

• Provide guidance on provisioning, write-off, and recovery strategies.

• Define roles, responsibilities, and operational models.

• Mentor internal staff and leadership teams.

• Introduce best practices in credit operations and risk management.

• Assist in recruitment and capacity development as required.

⛳️ Requirements

• Over 10 years of experience in credit risk, lending, banking, fintech, or microfinance.

• Proven history of building or enhancing credit scoring systems.

• Strong background in unsecured lending and consumer finance.

• In-depth knowledge of affordability assessments and collections strategies.

• Experience in managing or advising on large loan portfolios.

• Demonstrated success in reducing default rates and enhancing portfolio performance.

• Experience in establishing credit policies, governance, and operational frameworks.

• Strong analytical skills and strategic problem-solving abilities.

🏝️ Benefits

• Competitive salary and performance-based incentives.

• Opportunities for professional growth and development.

• A collaborative and dynamic work environment.

• Comprehensive health benefits and retirement plans.