.Credit & Risk ManagerWho are we?IPF Digital is a Financial Services company part of IPF Group and trades as Creditea in México.
We provide consumer loans, and our mission is to make life easier by offering simple and personalized financial solutions to everyday Mexicans.Our organizational purpose is to build a better world through financial inclusion, and we see the role Credit & Risk Manager as being critical in shaping and preserving our organizational culture that is centered around our purpose.At IPF Digital, we are committed to promoting strategies that help us maintain a balance between our personal and work lives, where each of our employees feels motivated and is reflected in business results.The roleYour primary area of focus is to ensure profitable growth of the customer base in line with the business plan, through owning the creation and ongoing development of the end-to-end credit strategy and credit models for the digital business in Mexico, alongside identifying and managing risk across the business.
This risk comes in different forms, ensuring effective credit performance that can evolve and adapt with our needs, monitoring and evaluating credit and arrears management strategies to manage credit loss, systems, and approaches to manage digital fraud, governance and reporting, and the effective use of systems and partners for all elements of risk management.
Although located in an operating market, you will work as part of the IPF Digital hub credit team but will have responsibility and focus just for the Mexican market.The responsibilitiesYou will own the entire credit cycle from initiation of application to money disbursement to collection.You will take a test and learn approach towards the creation and governance of credit processes and activities, being quick to tighten, relax or challenge credit, arrears management, and fraud controls where they are not in support of the business strategy.You will be responsible for the rules, models, decisions, and automated systems across the credit risk lifecycle.You will maintain and ensure effective reporting on the credit systems in place, being open to challenge and feedback.You will love to get stuck into the detail, noticing key trends and patterns across the risk landscape and quickly acting upon them, getting a real buzz from recommending and implementing new strategies and approaches to further support customer growth.Care about the business; monitoring and reviewing processes and policies to protect the organization from fraud and risk and to identify ways to further drive growth and reduce wastage.Constantly evaluate profitability of a product/channel and propose actions to address any challenges or utilize opportunities, e.G., product parameters changes or new acquisition streams.You manage directly collection strategy and collection operations, including relationships with collection agencies we work with