Head of Risk Management

We are an international fintech company. Since 2025, we have been providing loans in Spain. We are looking for a Head of Risk Management — a professional who will be responsible for the quality of the loan portfolio and will directly influence the company’s default rate and profitability.

What we offer:

• Competitive salary with growth opportunities based on your contribution to achieving KPIs.
• Fully remote work from anywhere.
• Full ownership of the risk management function: you will define lending policies and directly influence the quality of the loan portfolio.
• Direct collaboration with the Project Manager — decisions are made quickly without multiple layers of approval.
• The opportunity to implement new tools and approaches.

Your responsibilities:

• Manage key loan portfolio metrics, including DPD, default rate, delinquency inflow, NPL, Approval Rate, Cost of Risk, and portfolio profitability.
• Develop lending policies and credit scoring logic by generating hypotheses, conducting tests, and adjusting approval criteria and credit limits.
• Lead the Risk Analytics team: assign tasks, ensure high-quality execution, and support team development.
• Independently work with data in PostgreSQL: build datasets, analyze customer segments, and validate hypotheses.
• Prepare technical requirements for the IT team when implementing new lending rules and process changes, and monitor the correctness of implementation.
• Build analytical reports and dashboards, and prepare regular risk reports for management.
• Collaborate with the Risk Management team to ensure compliance with procedures and achievement of target KPIs.

Who we are looking for:

• Experience in a leadership role within Risk Management.
• Mandatory experience in an MFI, microfinance, consumer lending, or banking environment.
• Strong SQL skills and hands-on experience with relational databases.
• Advanced proficiency in Google Sheets and Microsoft Excel (complex formulas, pivot tables, data analysis).
• Strong understanding of the economics of lending products.
• Experience managing teams and monitoring key performance indicators.
• Ability to build transparent business processes and analytical frameworks.
• Ability to translate business requirements into clear technical specifications for the IT team.

Will be an advantage:

• Knowledge of Python for analytics and model development.
• Experience with BI tools such as Metabase, Tableau, or Power BI.
• Experience developing credit scoring models from scratch.
• Experience working in European markets and understanding their regulatory requirements.
• Experience designing and implementing fraud prevention (anti-fraud) rules.