Job expirat
- Leading and supporting of the subordinated departments and employees
- Close cooperation with other Risk areas, especially Credit Risk Control and Work-out & Restructuring
- Management and implementation of the set-up and development of scoring systems in order to minimize the risks in Retail Banking
- Realization of the foundation for decision-making and/or control tools in connection with further developed early warning systems for Retail Banking
- Leading current projects relevant for risk aspects in Retail Banking
- Decisions about individual credit cases in Private Lending as well as for Business Clients considering earning and risk aspects according to the approval competence
- Professional and efficient organization and management of the underwriting process regarding private and business clients, as well as the soft collection process for private clients
- Decisions about the support of other departments with the implementation of new products in view of the risk
- Monitoring and management of potential risks
- Development and ensuring of organizational procedures
- Participation in external negotiations, contracts with external companies, authorities, banks and other institutions concerning risk problems in Retail Banking
- Management of the co-operation between employees of Retail Credit Risk management and corresponding business units
- Compliance with internal regulations and instructions of the bank
- Ensuring of specific training activities and professional development of the unit
- All responsibilities of the position holder are completed by internal working procedures & regulations. The job holder is responsible to know and be updated with procedures in force
- Setting up and maintaining a highly automated retail loans approval and monitoring process
- University graduation with economic focus or any corresponding university education
- At least 3 to 5 years of management experience
- 3 to 5 years experience in retail banking or retail risk (in a bank, finance organization, retail financing company, scoring company)
- Solid understanding of retail product and procedures
- Experience in setting up an efficient retail lending and monitoring process
- Solid experience with the approval process for private loans and SME and soft collection of private loans and SME
- Understand scoring for private loans and SME
- Well-founded knowledge of business economy
- Language skills: English is a must, German will be an advantage
- Very good computer skills
- Process oriented person – key competence
- Leadership abilities and ability to work in a team
- Strategic thinking
- Change orientation
- Ability to set priorities
- Delegation of responsibilities
- Solution oriented
- Creativity
- Strong analytical way of thinking
- Ability to make decisions under time pressure
- Good communication skills
HART Human Resource Consulting is the first Romanian company that offers career management consulting services.
We propose organizational development solutions (Executive Search, Training, Development and Assessment Centers, Career Plan Development Consulting) and individual solutions (Career Counseling, Testing and Assessment, Individual Seminars).
If you want to read more about HART Consulting¿s career counseling services, go to www.consiliereincariera.ro