Head or Risk and Business Development
Head or Risk and Business Development
Introduction:
Our client is a fast growing FinTech Mobile Bank with a focus on emerging markets
We are searching for a Fintech Consumer Finance Credit Risk Expert to become Head of Risk and Business Development.
Opportunity:
The mission is to build scorecards in order to improve company profitability focusing on credit risk, fraud, optimising customer profitability and long term growth for the company. This is a unique opportunity to build the risk practice at an Emerging Market lender from scratch alongside a strong data science and product team.
What you will do:
- Design and build our risk and profitability models. These are used for underwriting loans, fighting fraud, setting product pricing, segmenting customers, and predicting portfolio performance.
- Build and design scorecards across all aspects of the Credit Cycle.
- Analyse the performance of these statistical models and their associated business rules, and propose how they should be set to achieve the desired risk-reward outcomes and profitability targets.
- Propose data-driven product changes to improve customer experience and company profitability, and partner with the Product, Data Science and Engineering teams to implement your solutions in production.
- Define an underwriting and acceptance strategy that delivers on the longer run toward growth and profitability
- Monitor the portfolio to identify trends, and lead meetings to share performance updates and analysis
- Full ownership of the following KPIs – NPL (non performing loans), loan profitability and volume
Your technical skills:
- Strong understanding of the risk sector, with significant experience in scorecard development
- FinTech Consumer Finance experience
- Strong mathematical and statistical background, with knowledge of modelling techniques
- Strong skills using R or Python for analysing moderately large datasets, and have a good working knowledge of SQL- Minimum 5 Years of Experience
- Experience in the consumer lending industry is a must
Technical stack:
- Our customer product is an Android application developed in Java
- It communicates with a Ruby on Rails backend
- The credit decision algorithms runs on Python via the Flask framework
- We are hosted on AWS: we use Elastic Beanstalk, a RDS mysql database, S3, lambda, SES …