В финтех-холдинг Digital Finance International (Finstar Financial Group) открыта вакансия Chief Risk Officer.
Responsibilities:
- Develop risk policy rules and methodology for their implementation.
- Define the credit risk management strategy aligned with the company’s business objectives and growth plans.
- Develop and implement credit risk policies, procedures, and standards to assess and manage borrower risk.
- Establish criteria for credit approval, portfolio segmentation, and exposure limits.
- Oversee the evaluation of creditworthiness using advanced models and tools.
- Manage the underwriting process to ensure sound lending decisions while balancing growth and risk.
- Monitor the performance of the credit portfolio, identifying trends and emerging risks.
- Implement strategies to optimize portfolio health, including diversification and risk mitigation.
- Utilize data analytics, AI, and machine learning to develop credit scoring models and risk prediction tools.
- Continuously enhance risk models to improve accuracy and reliability.
- Develop and execute strategies to reduce delinquency, defaults, and non-performing loans (NPLs).
- Collaborate with collections teams to design effective recovery frameworks.
- Regularly present credit risk insights, portfolio performance metrics, and key risk indicators (KRIs) to the executive team and board.
- Provide early warning signals and actionable recommendations to mitigate potential risks.
- Track and report on metrics such as delinquency rates, loss given default (LGD), and probability of default (PD).
- Assess the impact of macroeconomic trends on credit risk exposure.
- Testing and integration with third party services (new data-sources).
Required Experience and Skills:
- Higher Degree in Economics / Maths / IT in Maths education.
- Work experience in portfolio risk-management (banks, MFIs) of Credit cards, EMI cards, Personal loans Consumer durable loans (either of).
- Extensive experience with credit risk frameworks, underwriting processes, and portfolio management.
- Familiarity with managing credit risk in both secured and unsecured lending environments.
- Hands-on experience with risk modeling, credit scoring, and leveraging alternative data sources for decision-making.
- Expertise in using analytics tools and frameworks for monitoring portfolio performance and credit risk indicators.
- Proficiency in risk modeling and statistical tools (e.g., Python, R, SAS, SQL).
- Experience with BI tools for reporting and analysis (e.g., Tableau, Power BI).
- Strong background in lending products such as personal loans, BNPL (Buy Now, Pay Later), credit cards, or SME financing.
- Proven track record of building and leading credit risk teams.
- Strong analytical and reporting skills.
- Ability to deliver results both working independently and as part of a team.
- Agile communication skills.
- Excellent written and verbal communication skills (English).
Внимание! Для отклика на вакансию нужен VPN.