Portfolio Risk-Manager / Product Risk-Manager (all genders)

VEXCASH AG is Germany’s leading online credit provider for short-term loans. We offer our customers a quick and uncomplicated way to bridge the gap until they receive their next payment. More than 500,000 customers already trust our service. Thanks to our innovation, they secure financial liquidity without having to make a long-term commitment.

Your responsibility: level of risk in portfolio, level of provisions, LTV

Due to our uninterrupted growth and success, we are looking for you if you have the following skills and experience:

  • Risk management: participation in activities affecting risk level and LTV, regular review, development and coordination on risk-decisions
  • Monitoring on portfolio quality: checking existing and expected risk level, catching anomalies
  • Provisioning policy: monitoring and analysis on provisioning level (PD, LGD, EAD)
  • Monitoring on risk-model performance: daily risk-filter monitoring , weekly-, monthly- reportment, score-model performance control
  • Risk-events investigations: fraud attack detection, IT-down catching (operational risks)
  • Credit policy owner: development, actualizing, AB-test managing, updating. Matching with risk-engine specification
  • Risk-events history keeper: fixating and owing of company history of events affecting/explaining on risk level (incl seaonability, special campaigns, ne model implementation, AB-tests, etc. )
  • Change management: participating , control and managing on full change implementation process ( change request – task clarification – development support – quality testing – production testing – final decision on using as “champion”)
  • Risk-modeling: risk-kpi assessment, kpi-based decisions foundation
  • Business level risk-modeling: development on logical risk-rules and antifraud-rules, monitoring on social fraud information. Common with score-modeler – business understanding and expertise on main variables (top features) and correlations in score model
  • Existent + new data-sources: comparing, modeling on effect, assessment, trial-using coordination, integration managing

Your skills:

  • Risk-management experience
  • Excel – advanced
  • SQL: as business-user (basic and data-understanding level)
  • English: speaking
  • Score modelling understanding

As advance:

  • Score modeling experience (any type of environment – R, Python, SS, SPSS, ets.)
  • Finance, Math, tech education (ML, math statistics, probability theory)

We offer

  • Attractive remuneration
  • Modern and contemporary working conditions
  • Currently 100% Germany ticket
  • Currently Urban Sports membership
  • Fresh fruit baskets, hot and cold drinks
  • Various team and company events
  • International environment with a dynamic, committed and cooperative team
  • Office directly at the main station in the style of a co-working space
  • Home office is possible
  • A secure job in a company that has written a steady success story since its founding in 2011

If you are motivated and want to be part of our success story, then please send us your CV right now to jobs@vexcash.com. We are looking forward to getting to know you!