#vacancy #HeadOfRiskAnalytics #Remote

Head of Risk Analytics Location: Remote Salary: €3,000–4,000/month

We are an international FinTech company operating in the online lending industry. Since 2025, we have been successfully providing consumer loans in Spain. We are looking for an experienced Head of Risk Analytics to lead our risk function and take full ownership of the credit portfolio performance, directly impacting portfolio quality, default rates, and company profitability.

What We Offer

• Competitive salary (€3,000–4,000/month) with performance-based growth tied to KPI achievement.
• Fully remote work from anywhere.
• Full ownership of the risk strategy, credit policies, approval rules, and portfolio performance.
• Direct reporting to the Project Director with fast decision-making and minimal bureaucracy.
• Freedom to introduce new analytical tools, processes, and risk methodologies.

Key Responsibilities

• Manage and improve key portfolio metrics, including DPD, Default Rate, Delinquency, NPL, Approval Rate, Cost of Risk, and Portfolio Profitability.
• Develop and optimize underwriting policies, scoring logic, approval criteria, and credit limits through continuous testing and experimentation.
• Lead the Risk Analytics team, set priorities, monitor performance, and develop team capabilities.
• Perform advanced data analysis using PostgreSQL, including customer segmentation, portfolio analysis, and hypothesis validation.
• Prepare detailed business requirements for the IT team, ensuring accurate implementation of new risk rules and process improvements.
• Build analytical reports and dashboards, providing regular risk reporting to senior management.