Credit Risks Business Lead Global Fintech

Your Role

You are an experienced credit risk manager with extensive expertise in credit card lending, adept in navigating and applying expert rules and advanced strategies specific to the credit card sector. You will take ownership of developing and implementing credit risk frameworks, strategies, and systems to ensure risk‑adjusted profitability and regulatory compliance while enhancing the customer experience.

• Develop, update, and implement credit risk strategies, policies, and procedures, ensuring alignment with market conditions and regulatory requirements.
• Design and implement a credit decision‑making system that optimizes risk assessment and customer experience.
• Develop scoring models and expert‑based rules for credit decisions.
• Analyze and evaluate new data sources, adjusting how existing data is utilized in decision‑making.
• Develop and implement risk mitigation strategies, including credit limits, pricing recommendations, and credit terms.
• Collaborate with product, legal, and finance teams to ensure effective credit risk management.
• Oversee the loan loss provisioning process.
• Monitor regulatory changes and adapt policies and procedures accordingly.
• Engage with third‑party providers such as credit bureaus and account aggregators.
• Build and optimize a credit portfolio management system, ensuring long‑term stability and risk‑adjusted profitability.

• A self‑starter, who doesn’t take “No” as an answer, result‑oriented, open and honest.
• High energy level and positive attitude.
• Structured thinker who enjoys solving problems.
• Good communicator and presenter.
• Strongly analytical and a critical thinker.
• Deeply understand financial analysis, accounting and economics.

• 5+ years of experience in credit risk management in credit cards at a bank or fintech.
• Expert in developing and applying effective decision‑making frameworks within the credit card sector, significantly enhancing risk assessment capabilities and improving customer experience.
• Advanced degree in finance, economics or accounting.
• Preferably experience in a start‑up or fast‑paced environment.
• Deep understanding of international regulations in consumer lending.
• Fluent in English.

• Competitive salary negotiable depending on the candidate level.
• Share options.
• We are still a start‑up and more benefits are on the way.