Posted Mar 16, 2020 14 views
This is a very exciting opportunity to work alongside the founding members of this organisation to establish and scale a truly innovative FinTech business model that strives to become the benchmark of how to galvanize social development and transform societies within a short period of time.
Trellis Financial is looking for a bright, well-rounded and ambitious individual who can take on a broad role of retail credit analysis in Pakistan.
Background
Pakistan is faced with a housing shortage of 10 million currently growing by 1 million every year. The population, 80% without a bank account, has been starved off house financing solutions for years. Pakistan’s housing finance-GDP ratio is one of the lowest in the world – 0.25% (South Asia: 3%, Bangladesh: 3%, India: 11%).
Trellis’ mission is to fill this gap by providing affordable green mortgage solutions to low and middle income groups in Pakistan. This is expected to significantly boost financial inclusion, home ownership and economic activity in the country.
The senior management team has a combined experience of over 50 years in international banking, hedge funds, capital markets and financial technology.
Job Title:
Credit Risk Analyst
Description & Key Responsibilities:
The role of the Credit Risk Analyst will largely be focused on understanding the composition of the residential mortgage book and actively monitoring loan performance via reporting. The role will report directly to the Chief Risk Officer.
- Develop and improve upon the proprietary credit scoring model and estimating default probabilities including challenging the cut-offs
- Actively engage with underwriting team to review loan transaction details both from a quantitative and qualitative perspective (collateral, borrower profile, LTV)
- Perform analysis on the portfolio to proactively identify specific concentrations or trends
- Collect and report key risk details to be presented to senior management (MIS reporting)
- Ad-hoc analysis where needed
Requirements
- Bachelor’s degree in Economics, Finance or Business from a reputable institution
- 2-3 years of experience in credit risk and/or underwriting in retail lending (mortgage products preferable)
- Knowledge of local and international regulatory requirements from a lending perspective
- Strong quantitative abilities - Excel, VBA required & Python, R preferred
- Experience working with large data sets preferable
- Self-motivated individual comfortable with working in a start-up environment
Trellis is proudly an Equal Opportunity Employer & highly encourages applications from all facets of society. We respect and seek to empower individuals and support the diverse cultures, perspectives, skills and experiences within our workforce. All employment is decided solely on the basis of qualifications, merit and business need.
We encourage professional growth and career development, and offer competitive benefits and compensation. If you’re looking to build your career as part of a team tackling big challenges that impact the lives of people and companies all around the world, we want to meet you.
Skills
Job Details
Trellis Housing Finance Limited
This is a very exciting opportunity to work alongside the founding members of this organization to establish and scale a truly innovative FinTech business model that strives to become the benchmark of how to galvanize social development and transform societies within a short period of time. Trellis Housing Finance Limited is looking for a bright, well-rounded and ambitious individuals who can take on a broad roles in helping it set up operations in Pakistan. Pakistan is faced with a housing shortage of 10 million currently growing by 1 million every year. The population, 80% without a bank account, has been starved off house financing solutions for years. Pakistan housing finance-GDP ratio is one of the lowest in the world ; 0.25% (South Asia: 3%, Bangladesh: 3%, India: 11%). Trellis mission is to fill this gap by providing affordable green mortgage solutions to low and middle income groups in Pakistan. This is expected to significantly boost financial inclusion, home ownership and economic activity in the country. The senior management team has a combined experience of over 150 years in affordable housing, international banking, hedge funds, capital markets and financial technology.
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