Head of Credit Risk | Consumer Lending
Company: One of the leading fintech companies in LATAM
Geography: Worldwide, remote
Compensation: on request
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.
