В финтех-компанию EcoFinance (группа компаний Dyninno Group) требуется Head of Risk Department.
About the company and the role:
- EcoFinance is part of Dyninno Group offering short, mid- term and long-term online consumer lending products across 3 markets, issued over 350 mln. EUR in loans since start of operations in 2015
- Current products are 40% of PayDay Loans (5-20 days, 3K–30K RUB) and 60% of Instalment Loans (56-168 days; 3K – 50K RUB). There are new products planned to be launched in 2024: a credit line and a credit card
- Company is a team of 350 + skilled professionals working in distributed teams set up across 6 different locations. The company’s RU offices are in Moscow and Velikiy Novgorod. It employs over 205 professionals
- Company is currently looking for an experienced and motivated Head of Risk Department who overseeing company’s risk management processes including credit risk, operational risk and risk policy and procedures
- Reporting line: Group CRO, General Manager Russia
Job responsibilities:
- Be directly responsible for effective operations and constant improvement of credit decision strategies, and the underwriting process and policy for the Russian business
- Proactively explore sources of data and ways to make more knowledgeable credit decisions in the Russian market
- Together with the Head of Collections constantly improve and develop Collection processes, Loan Portfolio monitoring and analysis, Fraud monitoring and prevention
- Translate company targets and unit economics into measurable KPIs for Collection, Verification, data processing, etc.
- Proactively control appetite for risk for product, develop and proactively manage underwriting policy for each product group, insuring acceptable level of delinquency and credit losses
- Be directly involved in designing the reserving policy and defining adequate reserve levels
- Take a lead in new product feasibility studies and development
- Support the Chief Financial Officer in delivering accurate and reliable management information
- Identify business development opportunities consistent with the aims of the Company and its operating environment
Requirements:
- Background in microfinance companies is required
- Experience in similar roles such as Head of Risk/CRO/Risk Director/ Senior Risk Manager is required
- Knowledge and practical experience in Russian market is required
- Team management experience
- Excellent communication skills, proactive approach
- Fluent Russian language is required, fluent English as an advantage
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