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 …

 

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