Head or Risk and Business Development

Head or Risk and Business Development




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.




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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