Credit Card Risk Analytics Lead

About the position: Your work ensures that portfolio growth remains within the approved risk appetite, supported by evidence-based decisions, controlled expected losses, and well-founded IFRS 9 provisions. Additionally, you will establish the Credit Card Risk Analytics area as a scalable function, defining standards, model governance, and the foundation of the analytical team that will grow alongside the portfolio across various markets. Main responsibilities: Design and own the digital underwriting strategy; define eligibility criteria, risk segmentation, score cut-off points, and knockout rules based on bureau data, alternative data, and the history of other Vana Tech products. Define the initial credit limit allocation logic per segment, balancing activation, repayment capacity, and loss expectations. Build and maintain the portfolio monitoring suite, including vintage curves, roll rates, flow-to-loss, 30+/60+/90+ DPD delinquency, utilization, revolving/transactional mix, payment rates, overdraft incidence, and net losses. Translate strategies into productive decision rules within the decision engine in collaboration with Engineering, drafting specifications, test cases, and pre- and post-deployment validations. Job profile: Bachelor's degree in Business Administration, Finance, Industrial Engineering, or related fields; a Master's degree (MBA) in Business or Finance is valued.