Credit risk analyst

MFS deals with the development of mobile applications based on the processing platform and providing payment services to companies of FINSTAR Financial Group.

We invite a Credit risk analyst with specialization in credit products to join the project of mobile payment applications development.

Tasks to be done:

• Analysis of borrower creditworthiness
• Modeling, development and updating of scoring cards
• Development of statistical models of debt risk assessment - building scoring models (application scoring, behavior scoring)
• Monitoring and validation of scoring models.
• Development and optimization of the scoring system, rules for making credit decisions, building scoring models
• Cooperation with the development department: collecting, analysing and formulating tasks;
• Improving the quality of decision-making processes for applications in terms of risk (on the base of statistical analysis).
• Forecasting of key risk indicators
• Analysis of the effective use of external information services (credit history bureau, anti-fraud systems, other available sources of information about potential and current clients)
• Optimization of the credit strategy (stop rules, scoring cards, verification, the results of partner agents monitoring)
• Monitoring of credit decision making processes, identification of new trends, their study and accounting in credit decision, monitoring the effectiveness of debt collection strategies
• Required skills and technologies:
  • Experience in developing scoring models
  • Experience of work with credit bureaus, fraud detection services - mandatory
  • Experience of work with credit bureaus (Equifax, TransUnion, Experian ASNEF, Creditinfo), fraud detection services or experience of work with CRA - mandatory
  • Knowledge of financial markets peculiarities, in the sphere of credit risks, working experience in credit organizations not less than 3 years
  • Experience in optimizing the process of making credit decisions, introducing scoring models
  • Deep insight into statistical packages.
  • English level - not lower than Upper Intermediate
  • Knowledge of SQL, Oracle - desirable
  • Intimate knowledge of specialized software (SAS, SPSS, Stata - desirable)

• Office in Moscow City business center (Embankment Tower)
• Registration of employees according to the Labour Code of the Russian Federation
• Competitive salary
• Private health insurance including dentistry, meal remuneration
• Interesting tasks and large-scale international projects (Spain, Georgia, etc.)
• Professional team and full involvement in the product development process