Manager – Credit Risk Scoring & Collections (VP) - Banking Sector

Fulcrum Pvt. Limited · Karachi division, Pakistan

Qualification: Bachelor's degree or equivalent from an HEC-recognized institute

Experience: 6-8 years of relevant experience

• Establish and implement credit scoring and collection risk management frameworks for the bank’s digital retail lending portfolio.
• Coordinate with vendors to develop and enhance credit scoring models, scorecards, and automated decision rules.
• Develop customer segmentation and risk-based underwriting strategies using transactional, repayment, behavioural, and alternative data.
• Develop and monitor Early Warning Indicators (EWIs) to identify potential delinquency risks.
• Design and optimize pre-delinquency and delinquency collection strategies.
• Analyse portfolio performance, delinquency trends, roll rates, cure rates, recovery rates, and vintage performance.
• Monitor scorecard effectiveness and establish risk-based cut-offs, thresholds, and decision rules.
• Collaborate with Credit Risk, Collections, Business, Data Analytics, and Technology teams to implement automated decision engines.
• Establish KPI/KRI reporting and provide analytical insights to senior management.
• Ensure proper documentation, governance, and continuous monitoring of scoring models and collection strategies.
• Credit scoring and scorecard development.
• Credit risk analytics and portfolio risk management.
• Retail and digital lending risk.
• Application, behavioural, and collection scorecards.
• Customer segmentation and collection strategy optimization.
• Portfolio performance analysis and delinquency monitoring.
• Early Warning Indicators and pre-delinquency risk identification.