About Us

Türk Ekonomi Bankası (TEB), one of Turkey’s most established financial institutions, holds a strong position in the banking sector with its innovative products and customer-centric approach. With its dynamic structure and the dedication of its employees, TEB continuously strives for growth and development. We invite you to join us on this journey as we look for a new team member for the position of Director of Retail and SME Credit Risk Analytics and Strategy.

Key Responsibilities

• Define and monitor performance indicators for retail and SME credit portfolios.
• Contribute to the development of the Bank’s credit policies in coordination with allocation units and business lines.
• Manage and oversee analysis and reporting processes related to retail and SME credit products and risks.
• Monitor NPLs (non-performing loans) and ensure the creation of action plans aligned with risk analyses.
• Provide timely alerts and insights on spreads and risk analyses to senior management.
• Define and manage business processes required for the customer credit portfolio.
• Oversee and control planning processes to achieve targets, ensuring coordination with other groups.
• Evaluate strategic recommendations for the customer credit portfolio based on analytical findings.
• Assess and manage long-term action plans for the enhancement of risk analysis systems.
• Ensure the use of optimal decision system methodologies in line with market practices and standards.
• Oversee the sustainability of credit risk analytics and models.
• Manage systematic control of calculated risk ratios.
• Review and assess anomalies in inputs and outputs of risk evaluation processes.
• Coordinate with relevant units to develop new customer scoring models, ensure integration into systems, and propose policy rule improvements in collaboration with allocation and decision system units.
• Monitor and update existing policy rules periodically, based on market conditions, bank needs, and risk levels.
• Evaluate recommendations for budget forecasts related to retail and SME credit products.
• Working model: Full office

Qualifications

• Minimum 9 years of experience, preferably in credit risk management, analytics, or strategy.
• Bachelor’s or Master’s degree, preferably in Economics, Finance, Statistics, Mathematics, Engineering, or related fields.
• Advanced proficiency in English.
• Strong command of data analytics tools such as SAS, SQL, and Python.
• Knowledge of local and international regulations.
• Proven experience in strategic thinking, leadership, and team management.
• Excellent communication, presentation, and stakeholder management skills.
• Ability to lead digital transformation initiatives and the implementation of new analytical technologies.