Country Head of Risk

Are you a data-driven thinker with a strong analytical mindset and deep understanding of credit risk?
Join our growing FinTech team to play a key role in shaping and securing the entire credit lifecycle.

As a Country Head of Risk, you will have a direct impact on strategic decision-making, portfolio quality, and business performance. From developing scoring models and decision rules to conducting A/B tests and supporting cross-functional teams — you’ll be at the core of our risk management engine.

Main Responsibilities:

• full business support from the risk management side.
• decision-making system: support of existing rules and tools, development and implementation of new ones, testing of changes.
• implementation of scoring models in the decision-making process: implementation, rules for using scores, assessment of the effectiveness of models, decision-making on the appropriateness of use/necessity of building a new one.
• conducting A/B tests: criteria, sampling, analysis of results.
• analysis of the loan portfolio, operational and risk indicators, and other indicators related to the credit process (conversions, reject/approval rate, etc.).
• ad-hoc analysis in various directions (marketing, collection, etc.), presentation of results.
• work with databases using SQL.
• search for external data and service providers that would be useful for the business from a risk management perspective: search, feasibility analysis, communication, integration into the process, usage rules, results analysis.
• writing and updating internal documents (processes, rules, policies, underwriting and verification instructions).
• communication and support of other departments of the company (sales, marketing, legal, underwriting, product, IT and others) on risk management issues and to achieve the goals of the company as a whole and the risk management department in particular.

Professional Qualifications:

• experience in credit risks of individuals (bank, microfinance, pdl) from 5 years.
• experience in working with large volumes of data.
• knowledge and practical use of SQL.
• English language at the Upper-intermediate level.

What We Offer

• Join a fast-scaling FinTech company where your decisions shape the business and your contributions truly matter.
• Enjoy 20 paid days off annually, flexible scheduling, and a supportive, people-first culture.
  
• Partial compensation for medical insurance, sports activities, and foreign language.
• Work in an international, agile team with ambitious goals, modern tools, and a strong sense of purpose.