Group Credit Risk Lead 1st Line
Group Credit Risk Lead 1st Line
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Job Description
Were looking for a Group Credit Risk Lead to join our growing team and help us build a worldclass credit risk management function. Youll play a crucial role in protecting Wise and our customers while enabling sustainable growth across our products globally.
Your Impact:
You will be one of two leads owning Credit Risk and Counterparty Credit Risk management globally acting as the first line of defence and reporting to the Corporate Treasurer.
Design develop and enhance Credit Risk frameworks that support product innovation while maintaining robust risk controls
Partner with Wise Platform team to assess credit risk implications of existing and new products providing strategic advice and riskbased pricing recommendations
Evaluate and monitor the creditworthiness of existing and potential partners/customers
Analyze credit data and financial statements to determine credit limit and credit term to partners/customers that are in line with internal risk appetite
Collaborate with secondline Risk and Prudential teams on regulatory requirements (ICAAP/ICARA/ILAAP) including harm assessments and residual risk identification
Perform stress testing and scenario analysis to assess potential impacts on the portfolio
Build and maintain relationships with banking partners through periodic reviews and risk assessments aligned with our credit risk policy
Own and develop the global Credit Risk Policy framework
Work crossfunctionally with Payments and Treasury Operations teams to implement automated credit risk controls and monitoring systems
Serve as the primary subject matter expert for credit risk considerations in new product expansions
Provide regular reports and insights to senior management on credit risk exposure and trends
Act as a trusted advisor to ALCO and Credit Risk Committee on credit risk decisions
Qualifications :
Extensive experience in credit risk management within financial services or fintech.
Strong understanding of credit risk frameworks policies and regulatory requirements including the Basel regulatory framework
Proven track record in developing and implementing risk models and controls
Experience in working with regulatory requirements and governance frameworks
Experience in IFRS 9 Expected Credit Loss modeling Unexpected Credit Loss analysis and Basel framework compliance.
Good understanding of analytical tools like SQL Python or similar tools.
Outstanding communication skills with ability to influence stakeholders at all levels
Strong project management skills and ability to drive multiple initiatives simultaneously
Adaptable mindset with ability to thrive in a fastpaced environment
Additional Information :
For everyone everywhere. Were people building money without borders without judgement or prejudice too. We believe teams are strongest when they are diverse equitable and inclusive.
Were proud to have a truly international team and we celebrate our differences.
Inclusive teams help us live our values and make sure every Wiser feels respected empowered to contribute towards our mission and able to progress in their careers.
If you want to find out more about what its like to work at Wise visit Wise.Jobs.
Keep up to date with life at Wise by following us on LinkedIn and Instagram.
Remote Work :
No
Employment Type :
Fulltime
Employment Type
Full-time
