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Credit Risk Manager

Easy Consult has stood for quality and innovation in the Bulgarian Human Resources Solutions market with uncompromised recognition since 2004. Whether you are a well-trained blue-collar worker, a highly qualified expert, or a recognized manager in your area, our team in Sofia, Varna, and Plovdiv is committed to being more than a business contact in your pursuit of the desired job satisfaction and career success.

On behalf of one of our clients, we are currently looking for a Credit Risk Manager to join the company.

We need a skilled Credit Risk Manager to oversee the lending practices and make sure they're safe. He will play a crucial role in helping the company grow and make money while keeping risks in check.

Key Responsibilities:

  • Develop and implement credit risk policies, procedures, and underwriting guidelines in compliance with regulatory requirements and industry best practices.
  • Lead the design and implementation of credit risk models and scoring methodologies to assess the creditworthiness of borrowers and optimize lending decisions.
  • Monitor the performance of the loan portfolio, analyze trends, and identify areas of credit risk concentration or deterioration.
  • Conduct regular reviews and stress tests of credit risk parameters, including loan loss reserves, delinquency rates, and default probabilities.
  • Collaborate with cross-functional teams, including operations, compliance, and finance, to optimize credit risk management processes and systems.
  • Stay informed about regulatory developments, market trends, and emerging risks in the payday lending industry, and proactively recommend risk mitigation strategies.
  • Provide guidance and support to underwriting teams on complex credit applications and exceptions, ensuring adherence to established risk policies and procedures.
  • Prepare comprehensive reports and presentations on credit risk metrics, portfolio performance, and recommendations for senior management and regulatory authorities.


  • Bachelor's degree in finance, economics, statistics, or a related field.
  • Proven experience in credit risk management within the financial services industry, with specific experience in consumer lending or alternative lending products.
  • Strong understanding of credit risk principles, methodologies, and regulatory requirements applicable to the lending industry.
  • Experience developing and implementing credit risk models, including scorecards, behavioral models, and loss forecasting models will be considered an advantage.
  • Working knowledge of statistical analysis tools and software (e.g. Python/R) for data analysis and modeling will be considered an advantage.
  • Excellent problem-solving skills with the ability to translate business requirements into SQL queries and data solutions
  • Excellent analytical skills with the ability to interpret complex data and make data-driven decisions.
  • Strong communication and interpersonal skills with the ability to effectively collaborate with internal stakeholders and external partners.
  • Detail-oriented with a commitment to accuracy and quality in work, particularly in a fast-paced lending environment.

The company offers:

  • Career development in a successful company;
  • Be part of a highly creative team with superior spirit;
  • Competitive remuneration and a benefits package;
  • Open and friendly working atmosphere;

Our services are free of charge for candidates. All applications will be treated in strict confidentiality. Easy Consult Recruitment and Employment activities are based on a Recruitment license 2339/ 30.08.2017.