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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in credit analytics, including ownership of the credit life cycle, expected credit loss (ECL) modeling, and regulatory compliance. Proven ability to lead teams, adapt credit strategies, and communicate complex concepts to diverse stakeholders.
Highest-signal resume keywords
Credit Life Cycle ManagementExpected Credit Loss (ECL) ModelingRegulatory Compliance InterpretationPortfolio Performance MonitoringTeam Leadership and Development
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit Decision MakingUnderwriting StrategyLoss ForecastingRisk AnalysisCredit Policy AdaptationData AnalysisModel DevelopmentForecasting TechniquesPerformance RecalibrationDelinquency Management
Soft Skills
Communication SkillsCoaching and MentoringStakeholder EngagementAnalytical ThinkingTrade-off Explanation
Industry Keywords
Consumer LendingBuy Now Pay Later (BNPL)Credit Risk ManagementPayments IndustryCredit Regulation
About the role
Key responsibilities & impact- Lead credit analytics at Qliro and own the credit life cycle from underwriting strategy through portfolio monitoring and loss forecasting
- Set and develop Qliro’s credit strategy, including approval criteria, limits, terms, and changes based on portfolio and market conditions
- Analyze risk and profitability trade-offs and explain impacts of approval rates and credit rules on losses and profit and loss
- Own the expected credit loss (ECL) model and provisioning methodology, including assumptions, performance, recalibration, and stakeholder communication
- Forecast credit losses for Finance budgeting and forecasting
- Monitor portfolio performance, loss development, early deterioration indicators, and differences across customer segments, merchants, and markets
- Track credit-related regulation and adapt the underwriting framework
- Decide how credit rules and models are tested and introduced, including champion/challenger setups
- Work with data scientists and engineers on models, tools, and decision rules
- Work directly with merchant partners on credit performance and customer-base risk
- Collaborate with Risk, Finance, and Compliance on risk appetite and reporting
- Lead and develop two credit analysts by setting priorities, reviewing work, and supporting their growth
Requirements
What you’ll need- Experience owning or significantly contributing to credit decisions in consumer lending, BNPL, cards, payments, or a similar business
- Practical knowledge of the credit life cycle, including underwriting, limit setting, monitoring, and delinquency management
- Experience with expected credit loss (ECL) modelling and provisioning
- Ability to explain ECL model mechanics, drivers, performance, and uncertainty
- Experience forecasting credit losses and explaining forecast-versus-outcome gaps
- Experience adapting credit policy or underwriting frameworks to new regulations
- Ability to interpret regulatory requirements and translate them into credit rules
- Understanding of credit analyses and model development sufficient to review and challenge them
- Experience working with data scientists on scorecards or other credit models
- Ability to explain trade-offs clearly to non-credit specialists and senior leaders
- Experience leading or coaching people, or readiness to take on a first people-management role
Benefits
Comp & perks- Equal opportunity employment
- Hybrid work arrangement