Credit Forecasting Manager I

Core Responsibilities

• Lead development, improvement and monitoring of processes for payment default and balance persistency guidance for personal loans
• Own forward looking guidance and performance outcomes of material portfolio segments
• Provide scenario analysis and financial impact sizing from changes in credit underwriting and pricing policy.
• Assess macroeconomic trends and adjust expectations accordingly
• Partner with Capital Markets, Credit Strategy on return targets
• Ensure decision logic is scalable, compliant, and operationally sound
• Escalate emerging risks with clear analysis and recommendations
• Maintain governance standards and strategy documentation
• Mentor junior team members and promote best practices

Scope and Autonomy

• Operate with high independence and strategic judgment
• Influence major underwriting and pricing strategy changes
• Support highly complex, cross-functional initiatives
• Balance growth, risk, profitability, and regulatory considerations

Required Qualifications

• Bachelor’s degree in quantitative field or equivalent experience
• 6–10 years in credit risk, loss forecasting or portfolio analytics
• Expertise in forecasting payment default behavior and balance persistency for lending products
• Advanced analytical expertise and business judgment
• Proven ability to influence senior stakeholders

What Success Looks Like

• Clear ownership of processes and process outcomes
• Trusted cross-functional partnership
• Demonstrated leadership and mentorship impact