Job Description

Credit Loss Manager

Department: inDrive Money

Employment Type: Full Time

Location: Cyprus

Key Responsibilities

• Calculation and monitoring of Expected Credit Losses (ECL) in accordance with IFRS 9 requirements
• Support and enhancement of IFRS 9 impairment methodologies, models, and related documentation
• Development, validation, and monitoring of risk parameters including Probability of Default (PD), Loss Given Default (LGD), and Exposure at Default (EAD)
• Performing back-testing, sensitivity analysis, and stress testing of credit risk models
• Participation in internal and external audit processes, including preparation of supporting documentation and explanations
• Preparation of regular risk and impairment reports for management, regulatory, and financial reporting purposes
• Conducting ad-hoc portfolio analysis and identifying key credit risk trends
• Automation and optimization of reporting and risk calculation processes
• Support and development of credit risk management policies, methodologies, and procedures
• Collaboration with finance, risk, analytics, and regulatory teams on credit risk and provisioning topics

Skills, Knowledge and Expertise

• 2+ years of experience in credit risk, IFRS 9, risk analytics, or financial risk management
• Strong understanding of IFRS 9 impairment methodology and ECL calculation principles
• Experience with PD, LGD, and EAD modeling approaches
• Understanding of model validation, stress testing, and back-testing techniques
• Strong analytical and quantitative skills
• Advanced SQL skills and practical experience with Python, SAS, R, or similar analytical tools
• Experience working with large datasets and financial reporting processes
• Knowledge of banking products and credit risk metrics

Why join us

• Help us challenge injustice by creating fair choices for millions of people across 1100+ cities in 48 countries.
• Develop your professional skills with access to mentoring, career consulting, and learning programs.
• Collaborate with teams around the world and gain international experience through our Global Talent Exchange Program.
• Engage in company-wide challenges, awards, sports activities, employee-led social impact and volunteering projects.
• Work alongside people who take initiative, speak openly, and challenge themselves to grow.
• Improve your language skills through co-financed courses and internal speaking clubs.
• Annual salary from 70 700 EUR gross.