Head of Credit Risk (Consumer Lending)

#hiring #creditrisk #fintech #consumerlending #remote #headofrisk #creditriskmanagement #banking #LATAM

🔥 Head of Credit Risk | Consumer Lending
🟣 Company: Devhunt for one of the leading fintech companies in LATAM
🌍 Geography: Worldwide, remote
💰 Compensation: on rqst

📋 Key responsibilities
· Own Cost of Risk across all credit products.
· Build and develop application, behavioural scoring and credit limit models — from hypothesis to production.
· Move the credit limit increase program from manual rules to ML.
· Oversee collections across early and late stages, including recovery.
· Develop the provisioning methodology together with Finance.
· Prepare monthly risk reports for the CEO and Board.
· Establish standards for model validation, monitoring and regular retraining.

✅ Requirements
· 6+ years in unsecured consumer credit risk, including 2+ years in a leadership role.
· Hands-on experience building scoring, behavioural and credit limit models.
· Direct ownership of Cost of Risk / NPL as a key performance metric.
· Strong understanding of collections as part of overall credit economics.
· Experience working with distributed teams.
· Professional English; Russian is a plus.
Nice to have:
· Card programs and automated credit limit management.
· BNPL / installment lending.
· ML models in production.
· Experience in a regulated bank.
· LATAM experience and Spanish.
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