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Risk Policy Manager - Micro loans

Risk Policy Manager - Micro loans

City:  Bucuresti
Contract duration:  Unlimited
Discipline:  Risk management
About Our Team

We are more than 6000 people at BCR and each and every one of us is different. We like to believe that our diversity of ideas, attitudes, passions, feelings and origins make our culture more beautiful and our jobs more meaningful!

Retail Risk Policy team (part of Retail Risk Management Division) is ensuring a sound credit risk management by involvement in risk parameters change (tightening, relaxations), new lending products, new distribution channels, risk projects, credit tests, lending strategies, legislative changes, etc. The team works in close cooperation with Erste Group Retail Risk Management and all internal stakeholders from the lending process.

Our goal is that every candidate that goes through BCR’s recruitment process, has a pleasant, agile and efficient experience and for this reason, the recruitment process is 100% online.

Your Task

We are looking for a new colleague to ensure the management of credit risk for retail customers by managing the lending rules in accordance with BNR regulations and the Erste Group standard.

As Risk Policy Manager - Micro loans you will be responsible to:

  • Define and review the credit policy on the specific of the managed credit segment;
  • Manage the lending policy from the following perspectives: underwriting process, fraud management, overdue payments, scoring models, debt collection process;
  • Review the lending workflow procedures, Anti-Fraud and rules for classifying clients as having credit risk, valuation of collaterals, debt collection process;
  • Ensure the management of projects in the area of ​​risk management;
  • Analyze the reports for the managed lending product;
  • Analyze the lending rejection reasons and the collection process;
  • Provide support to BCR subsidiaries in order to align with the group-level lending standards and validate their lending policies;
Your Background
  • Economics/ technical degree and economics/ financial/ risk management specialization;
  • Minimum 3 years of experience in credit risk  management area in financial/ banking institutions;
  • Proficiency in MS Office (Word, Excel, PowerPoint);
  • Proficiency in English;
  • Oracle database programming knowledge (SQL/ PL SQL) is an advantage .