We are seeking a highly analytical and detail-oriented Credit Risk Manager to join our dynamic team. In this role, you will be responsible for overseeing the assessment, monitoring, and management of credit risk across our portfolio. You will play a critical role in shaping our risk strategy by developing data-driven credit policies, ensuring regulatory compliance, and working closely with cross-functional teams to support business growth while maintaining sound risk controls.As a key stakeholder in the risk management function, you will be expected to provide strategic insights and contribute to the optimization of our credit decisioning processes. This is an excellent opportunity for a proactive professional who thrives in a fast-paced environment and is passionate about driving risk-aware decision-making. Bachelor's degree in business, Finance, Economics, or a related field. Minimum 5 years of total professional experience in credit risk or related fields, including at least 2 years in a managerial or leadership role. Strong analytical skills and experience in data analysis, modeling, and forecasting. Proficiency of Oracle SQL, Python, and Tableau. Fluency in Azerbaijani and English (knowledge of additional foreign languages is an advantage). International risk and finance certifications such as CERM, FRM, CFA, etc., are preferred. Strong interpersonal and communication abilities. Opportunities for professional growth and career advancementCompetitive salary and bonusesComprehensive insurance packageSupportive and positive work environmentVisa Premium salary cardCorporate discounts and eventsAdditional vacation daysDiscounted education and employee loan opportunitiesNew and cozy studio office at Port Baku Tower 2Strong teamwork based on Agile principles, regular team-building activities, and themed eventsMulticultural environment with knowledge sharing from foreign colleagues Participating in the development and enhancement of a regulatory framework for identifying, assessing, mitigating, and effectively managing credit risks.Evaluating credit risks to ensure they remain within acceptable limits before launching new products. Improving reporting systems (e.g., red flag, scoring, stop loss).Utilizing risk management tools (e.g., vintage analysis, migration matrix, FPD) for portfolio analysis.Applying statistical analysis, financial modeling, and data analytics to measure and forecast credit risks.Providing recommendations on credit limits and conditions.Leverage data and advanced analytics to optimize collection strategies, segment delinquent customers, and improve recovery rates while minimizing operational costs.Monitor roll rates, cure rates, contact-to-collection ratios, and optimize outreach effectiveness (SMS, call center, legal action).
