Head of Risk Analytics (Fintech)

#Vacancy #HeadOfRiskAnalytics #Remote
Salary:** €3,000–4,000 per month

We are an international FinTech company specializing in online lending. Since 2025, we have been successfully operating in the Spanish market and are looking for an experienced Head of Risk Analytics to lead our risk analytics function and drive the quality, profitability, and performance of our lending portfolio.

## What We Offer

* Competitive salary of €3,000–4,000 with performance-based salary reviews.
* Fully remote position with the flexibility to work from anywhere.
* Direct impact on credit policy, underwriting strategy, and portfolio performance.
* Reporting directly to senior management with fast decision-making processes.
* Opportunity to introduce new analytical tools, methodologies, and risk management practices.

## Key Responsibilities

* Own and improve key portfolio performance metrics, including DPD, Default Rate, Delinquency, NPL, Approval Rate, Cost of Risk, and portfolio profitability.
* Develop and optimize underwriting rules, credit scoring logic, approval criteria, and credit limits through data analysis and continuous testing.
* Lead and mentor a team of Risk Analysts, ensuring high-quality analytical output and professional development.
* Perform advanced data analysis using PostgreSQL, including customer segmentation, hypothesis testing, and impact assessment.
* Prepare technical specifications for the IT team to implement new business rules and monitor the accuracy of implementation.
* Build analytical dashboards, automate reporting, and prepare regular management reports.
* Collaborate closely with Risk Operations and other business teams to achieve target portfolio performance and improve operational efficiency.

## Requirements

* Proven leadership experience in Risk Analytics, Risk Management, or a related field.
* Mandatory experience in Microfinance (MFI), Online Lending, Consumer Finance, or Banking.
* Strong SQL skills and hands-on experience working with relational databases.
* Advanced proficiency in Microsoft Excel and Google Sheets, including complex formulas, pivot tables, and data analysis.
* Deep understanding of credit portfolio management, lending economics, and risk metrics.
* Experience managing analytical teams and delivering measurable business results.
* Strong analytical thinking, structured approach, and ability to build scalable reporting processes.
* Experience writing clear technical requirements for software development teams.

## Nice to Have

* Experience with Python for analytics and statistical modeling.
* Knowledge of Power BI, Tableau, Metabase, or other BI platforms.
* Experience developing credit scoring models from scratch.
* Experience in European lending markets and understanding of local regulatory requirements.
* Experience designing and optimizing Fraud Prevention and Anti-Fraud rules.

If you have a passion for data-driven decision-making, portfolio optimization, and building high-performing risk strategies, we'd love to hear from you.