Senior Credit Risk Manager

About Us

Drenova is an expanding global enterprise dedicated to enhancing financial performance, risk governance, business operations, and sustainable expansion. Our collaborative teams span Finance, Risk, Compliance, Operations, Sales, Legal, and Executive Leadership to improve financial decision processes and foster responsible development.

Role Overview

We are looking for a seasoned and analytical Senior Credit Risk Manager to spearhead credit risk frameworks, supervise portfolio risk dynamics, and aid strategic decisions organization-wide. This role offers a prime chance for professionals in credit risk, banking, financial analysis, or enterprise risk management to assume comprehensive leadership in an international fully remote setting.

Key Responsibilities

• Formulate and execute comprehensive credit risk policies and strategies across the enterprise.
• Conduct in-depth credit risk evaluations for customers, portfolios, and various business sectors.
• Track credit exposures, analyze portfolio performance, and identify risk patterns.
• Collaborate closely with Finance, Risk, Compliance, Sales, Legal, and Executive Leadership teams.
• Assess complex credit applications and advise on risk-based decisions.
• Perform financial statement analysis, cash flow evaluation, and creditworthiness assessment.
• Manage approval protocols and continuous monitoring of credit portfolios.
• Create credit risk modeling tools, reporting structures, and visual performance dashboards.
• Oversee credit risk performance indicators, monitor delinquency trends, and maintain portfolio quality.
• Detect high-risk accounts and organize risk mitigation strategies.
• Ensure adherence to regulations, support audits, and reinforce governance frameworks.
• Promote enhancements in credit risk processes and systems.
• Prepare comprehensive executive summaries and strategic advisories for senior leaders.
• Advocate for strong risk governance and responsible lending culture.
• Keep up to date with credit risk laws, financial market developments, and industry best practices.

Candidate Requirements

• Bachelor's degree in Finance, Accounting, Business, Economics, Banking, or related disciplines.
• A minimum of five years' experience in credit risk, banking, financial analytics, lending, or enterprise risk functions.
• Deep knowledge of credit risk evaluation methodologies and portfolio management.
• Exceptional analytical thinking and problem-solving capabilities.
• Strong communication skills with proven stakeholder engagement experience.
• Experience leading cross-departmental projects and strategic initiatives is advantageous.
• Proficient verbal and written English communication.
• Familiarity with Excel, Power BI, ERP software, or specialized risk management tools is beneficial.
• Knowledge of IFRS standards, Basel regulations, or credit scoring techniques adds value.
• Professional certifications like FRM, CFA, or CPA are welcomed but not mandatory.

What We Offer

• Completely remote working environment.
• Full-time senior leadership career role.
• Opportunities for professional advancement and career development.
• Exposure to enterprise-wide risk and financial strategic planning.
• Work within an international, team-oriented setting.
• Flexible work hours and arrangements.
• Chance to influence credit risk strategy on a global scale.