Analyze and do business plan for the automotive lending portfolio with a focus on risk-adjusted performance, ensuring optimal balance between growth, profitability, and risk.
Monitor key metrics such as Risk-adjusted Return on Capital (RAROC), Expected Loss (EL), and Observed Default and identify strategic action to improve portfolio.
Collaborate closely with Risk, and Product to design and refine strategies based on customer risk segmentation and portfolio performance.
Conduct deep-dive analyses to identify trends, risks, and opportunities within the portfolio, and recommend actionable insights.
Prepare and deliver high-impact presentations to senior management, translating complex data into clear, strategic narratives.
Utilize tools such as SQL, Excel, Power BI, or Python to build dashboards, and perform data analysis.
Contribute to the development of portfolio strategies that align with the company's risk appetite and financial goals.
Qualifications:
Bachelor's or Master's degree in Finance, Economics, Engineering, Statistics, Mathematics, or a related field.
Minimum of 5 years of experience in portfolio management, credit risk analysis, or strategic planning within the automotive lending or financial services industry.
Strong understanding of risk-adjusted portfolio management principles and their application in consumer lending.
Excellent analytical thinking and logical problem-solving skills, with the ability to interpret complex data and derive meaningful insights.
Proven presentation skills, with the ability to communicate effectively with senior stakeholders and cross-functional teams.
Proficiency in Excel and PowerPoint; experience with SQL, Power BI, or Python is a strong advantage.
Strong team player with a proactive mindset and the ability to work in a fast-paced, dynamic environment.
