Prodigy Finance - who are we? Prodigy Finance is a platform that delivers socially responsible financial services, making it possible for students from more than 150 countries to fulfil their dream of studying at the world's top universities and schools by financing their international postgraduate studies whilst delivering competitive financial and social returns to alumni, institutional and private investors.
This borderless and innovative model enables education loan financing to students from across the globe whilst using predicted post-degree affordability rather than present-day salary. Since 2007, Prodigy Finance has extended over US$1.8 billion through the platform to fund over 35,000 students.
Prodigy Finance is fueled by impact investors and other privately qualified entities who invest in tomorrow's leaders whilst earning a financial and social return. Prodigy Finance's borderless lending model enables students to apply for a loan based on their future earning potential and not just their current circumstances and credit history.
Why is this an amazing Opportunity? This role is perfect for an experienced Credit Risk Portfolio Manager who wants to supercharge their career by experiencing first-hand what it is like to be part of an energetic, extremely fast-growing company.
The sense of impact and reward will be huge. You will help build a product that makes a real difference in the world. Be a part of delivering socially responsible financial services to the masses; make it possible for students from more than 150 countries to obtain the finance to fulfil their dream of studying at the world's top universities and schools.
We are a small, non-hierarchical team; this means that you are going to get exposure to all aspects of our business immediately. You'll gain as much accountability as you can handle and have a huge influence on scaling the company.
Our team is very international and sociable; you will interact with the broader business regularly.
One of our goals is to build one of the top FinTech teams and cultures anywhere in the world. This means putting a lot of time into ensuring we only hire people with exceptional potential and creating the best working environment possible. If you want to work somewhere where you're learning from some of the best minds in FinTech, this would be a good fit.
Why join Prodigy Finance? Be a part of a pioneering global growth company. Experience the excitement and learn from being part of an incredibly fast-growing young company. Be pivotal in scaling the business by identifying smart solutions and partnering with tech at the heart of it. Enjoy the agility and flexibility offered by a startup culture. A sociable, relaxed and friendly work environment. We will help you make your mark. Make a real impact on the business and experience a steep learning curve with huge opportunities to grow and develop. Gain an inside perspective on the functioning of a venture-backed Fintech startup, backed by top VCs, learn day-to-day management and build functional expertise. Build a platform that helps to make a very real difference in the world. What you will do in the role: In this role, you will be responsible for managing a $1 billion loan book, which is forecast to grow at 30-50% per annum over the next five years. You will generate insights that help improve Prodigy's strategies and improve the way external stakeholders understand Prodigy's portfolio. You will want to understand the expected behaviour of our book in the future and help improve our forecasts to do so. You will work in a team plugged into everything Prodigy knows about our customers' credit lifecycle. Roles & Responsibilities: Monitor, evaluate and report on the overall credit and financial performance of the Prodigy student loan portfolio to internal management and external investors on a monthly cycle basis. Utilise Statistical Analysis System (SAS) or Python to perform risk, financial and data analyses, including profiling, sampling, reconciliation, forecasting and quality testing. Develop recommendations to adjust credit policies and business strategy by analysing credit and financial performance and utilising statistical scoring, segmentation, and regression and simulation techniques. Collaborate closely with colleagues in the product, collections, legal and other operational teams to develop and improve the loan product and the impact of servicing & collections processes. Research customer and/or management queries (including working with customer complaints team) using risk systems and data and support ad-hoc risk policy analyses and projects, as required. Participate in developing, testing, and optimising credit policies, ensuring consistency and regulatory compliance, and assist in the implementation of those policies, processes and other related initiatives. Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Prodigy Finance, its customers and assets. Exceptional presentation and communication skills are a must-have as the manager will be frequently required to present findings and insights internally but even more so externally to current and prospective debt and equity investors. You will manage the team responsible for the IFRS9 impairment, IFRS13 fair value models as well as cash flow modelling forecasts and loan stock model. Management of a team of analysts to support the responsibilities described above. Qualifications and Experience: A truth seeker, curious and ambitious person. 4-6 years of relevant experience, including management of a team of credit analysts. Proven ability to apply credit and risk principles toward business goals and model future outcomes on a portfolio. Demonstrated ability to synthesize, prioritize and drive results with urgency. Proven organizational, interpersonal and analytical skills. Comprehensive knowledge of SAS or SQL programming and MS Office software. Data visualization software like Tableau or PowerBI would be an asset.
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