Work format: remote
Work schedule: 5/2, from 09:00 to 18:00
Salary: $3000
We are looking for a strong Head of Risk Department who will take responsibility for credit risk management, risk strategy development, and credit portfolio quality control.
Key responsibilities:
- Develop and improve the company's credit and risk strategy;
- Manage the processes of borrower assessment and decision-making on credit applications;
- Monitor key indicators: approval rate, disbursement, delinquency, default, portfolio recovery, and profitability;
- Analyze the credit portfolio by cohorts, vintages, products, channels, and customer segments;
- Develop and adjust risk rules, limits, and stop factors;
- Evaluate the effectiveness of scoring models and initiate their improvement;
- Identify the causes of performance deterioration and promptly implement corrective measures;
- Conduct testing of new rules, segments, and credit products;
- Control anti-fraud processes and participate in identifying fraudulent schemes;
- Generate regular analytics and reports for management;
- Manage a team of risk analysts: set tasks, monitor results, and develop employees;
- Interact with IT, Product, Collections, Finance, and other departments.
Candidate profile:
- Experience in credit risk, banking, or FinTech companies;
- Experience managing a team or independently leading a risk function;
- Good understanding of the full lending cycle and key credit portfolio metrics;
- Proficient SQL skills – mandatory;
- Proficient Excel / Google Sheets skills;
- Experience with BI systems and analytical dashboards;
- Skills in cohort, vintage, and segment analysis;
- Ability to assess the impact of risk decisions on loan volume, default rate, and company profit;
- Strong analytical thinking and decision-making ability;
- Python knowledge is a plus.
📩 To apply: @frdgfdfg
