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Credit Risk Manager

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Vodafone

24d ago

  • Job
    Full-time
    Senior Level
  • Data
    Banking & Finance
  • Dublin

AI generated summary

  • You need 5 years in a similar role, finance/credit qualifications, strong analytical and coding skills, credit management experience, and proficiency in SQL, Power BI, Excel, and Python.
  • You will analyze credit risk, develop scoring policies, manage stakeholder communications, oversee vendor compliance, and lead credit risk projects while ensuring regulatory adherence and continuous improvement.

Requirements

  • 5 years within similar role within multinational environment
  • Finance degree, Accountancy qualifications, Credit Risk qualifications
  • Excellent analytical skill, with coding experience and a good understanding of data
  • Proven track record of success in utilising a collaborative approach to finding solutions to credit risk problems
  • Ability to critically evaluate and interpret complex information gathered from multiple sources and translate it into tangible business and customer impacts
  • Significant experience of credit management in a mass consumer technology-based service industry
  • Strong knowledge of financial statements including a firm understanding of how to use these to assess credit risk
  • Skilled at presenting at executive committees, leading meetings
  • Advanced excel and data mining skills
  • Experience using SQL, Power BI, Python, SAP

Responsibilities

  • The strategy involves developing and recommending changes to credit scoring policies for customer profiles by collaborating with key stakeholders across all Vodafone channels. It includes utilizing customer data to shape risk segmentation and mitigation policies, profiling customers in the debt cycle using data analysis and data mining techniques to understand debt and risks, and proactively identifying credit risk issues and coordinating resolution management. Detailed quantitative and qualitative credit analysis of new and existing Vodafone customers will be performed to deliver recommendations and assessments of credit risk. The assessment of credit risk for all products and services will involve executing governance and controls to ensure credit risk strategies are effective in minimizing bad debt provisions, bad debt write-offs, and customer churn. A culture of continuous improvement will be instilled across all credit risk practices, and process gaps or tool enhancements will be identified and implemented in partnership with key stakeholders to create scalable, stable, and secure solutions.
  • Stakeholder management will involve communicating and presenting all Credit Risk and Credit Management KPIs and creating reporting packs for all stakeholders within the business. Collaboration with cross-functional teams will ensure compliance with regulatory requirements, and regular governance meetings with key stakeholders will be implemented to evaluate the performance of credit risk strategies, providing insights and proposing recommendations or initiatives.
  • Performance management will include reporting on key credit risk policies, strategies, scorecards, and KPIs, regularly updating the Head of Credit Management, CFO, and Financial Management on scorecard and credit risk performance, and documenting all credit risk strategies and processes.
  • Vendor management responsibilities will involve overseeing the assessment and monitoring of credit risks associated with vendors, ensuring vendor compliance with credit policies, and maintaining strong relationships to mitigate potential risks.
  • Project management responsibilities will include leading and managing credit risk projects, ensuring timely delivery and adherence to budget, assessing and mitigating credit risks, and collaborating with cross-functional teams to ensure compliance with regulatory requirements.

FAQs

What is the main purpose of the Credit Risk Manager role?

The main purpose of the Credit Risk Manager role is to assess, monitor, and mitigate credit risks to ensure the financial stability and growth of the organization.

What qualifications are required for the Credit Risk Manager position?

A finance degree, accountancy qualifications, or credit risk qualifications are required, along with at least 5 years of experience in a similar role within a multinational environment.

Which skills are essential for the Credit Risk Manager role?

Essential skills include excellent analytical abilities, advanced Excel and data mining skills, coding experience, and proficiency in SQL, Power BI, and Python.

How does the Credit Risk Manager interact with stakeholders?

The Credit Risk Manager communicates and presents Credit Risk and Credit Management KPIs, creates reporting packs, and collaborates with cross-functional teams to ensure compliance and evaluate credit risk strategies.

What are the primary responsibilities of the Credit Risk Manager?

Primary responsibilities include managing credit risk assessment, performance management, vendor management, leading credit risk projects, and developing credit scoring policies.

Is there a focus on continuous improvement in the role?

Yes, a culture of continuous improvement is emphasized, with efforts to identify and implement process gaps and tool enhancements.

What is the company culture at Vodafone like?

Vodafone values diversity and flexibility, fostering a supportive environment for employee growth and innovation while encouraging employees to bring their whole selves to work.

What benefits does Vodafone offer to its employees?

Vodafone offers numerous benefits including competitive salary, flexible working hours, generous pension contributions, free phone bills, mobile phone discounts, extensive training, and wellness center access, among others.

Is experience in the telecom industry preferred for this role?

Yes, experience in the telecom industry is considered a plus for candidates applying for the Credit Risk Manager position.

How does Vodafone support career development?

Vodafone provides a dynamic approach to training, development, performance management, and flexible benefits to support employee career growth.

Who does the Credit Risk Manager report to?

The Credit Risk Manager regularly updates the Head of Credit Management, CFO, and Financial Management on scorecard and credit risk performance.

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Vodafone

Together We Can

Telecommunications
Industry
10,001+
Employees
1982
Founded Year

Mission & Purpose

At Vodafone, we are known for our technology, but the truth is, it is humanity that drives our business forward. With the global pandemic raising so many questions for tech brands, it has highlighted the leading role that we need to play. We believe that, when working together, humanity and technology can find the answers and create a better future for all. Working at Vodafone is all about helping people feel ready to benefit from new technology. We bring the future to even the most remote places, using technology to help families in disaster zones, showing young people that a phone is not just for fun and thinking about technology that doesn’t even exist yet. More than 35 years ago, we made the first-ever mobile phone call, we sent the first SMS in Britain and have been changing the lives of billions of people ever since. Now, we are using smartphones to fight cancer, big data for social good, and we aim to connect over 250 million people to our next generation networks by 2025. We are passionate about building a workplace where you can truly be yourself, share inspiration, embrace new opportunities, thrive and make a real difference to people and our planet. We are known for our technology, but it is humanity that drives us forward. What are you passionate about? #TogetherWeCan