Head Of Credit Risk (Fintech)

Head Of Credit Risk | Consumer Lending

Company: 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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