CRO / Chief Risk Officer - Neobank, Fintech, Microfinance, PDL, BNPL, IL, POS

Описание вакансии

Vacancy CRO APAC (Chief Risk Officer) / Head of Risk - Moscow hybrid or REMOTE

A large Fintech company, and part of a large fintech group, in search of a CRO APAC (Fintech, PDL, BNPL, IL, POS).

We are seeking a highly skilled and experienced individual to join our team as CRO (Chief Risk Officer) at our online lending company, Moscow hybrid or completely remotely.

Strategy & Credit Risk Management:

• Develop and approve scorecards and decision rules for online and offline applications, tailored to borrower demographics and behavior
• Manage the full credit lifecycle (Origination, Account Management, Collections) from a risk perspective, including setting limits, loan terms (tenor, amount), and pricing strategies
• Continuously monitor and analyze key risk metrics: Approval Rate, Default Rate, Roll Rate, Portfolio at Risk (PAR 30+), Expected Credit Loss (ECL)
• Conduct portfolio stress testing and develop preventive action scenarios

Model Development & Validation:

• Lead the development, implementation, and monitoring of predictive models (Application Score, Behavioral Score, Collection Score, Fraud Score)
• Organize regular model validation (discrimination, stability, calibration) in line with best practices and regulatory requirements
• Identify and implement alternative scoring approaches and data sources

Regulatory Compliance:

• Proactively monitor changes in consumer lending regulations and ensure timely implementation in processes and models
• Act as a key point of contact with regulators and internal compliance teams on all risk-related matters

Fraud Risk Management:

• Develop and manage strategies to prevent both first-party and third-party fraud in digital lending
• Implement rules and technologies for fraud detection at the application stage (document verification, biometrics, behavioral analysis)
• Analyze fraud patterns and continuously adapt prevention mechanisms

Data Management & Analytics:

• Define data requirements for scoring and reporting; collaborate with IT and Data teams to ensure data quality and availability
• Apply advanced analytics (including machine learning) to improve model performance and customer segmentation
• Prepare regular risk reports for management and shareholders

Team Leadership & Cross-functional Collaboration:

• Lead and develop a distributed team of risk managers and data scientists across two countries
• Partner closely with Product, Marketing, Collections, and IT teams to embed risk strategies across the full product lifecycle
• Educate commercial teams on risk management principles to balance growth and portfolio quality

Requirements:

• 5+ years of experience in risk management, including at least 2+ years in a leadership role (CRO / Head of Risk / Senior Risk Manager)
• Relevant experience in unsecured lending
• Strong understanding of the full credit risk lifecycle (Origination to Collections)
• Proven experience in developing and implementing scoring models (Application/Behavioral) and scorecard & decision rule strategies
• Proficiency in data analysis tools and programming languages (SQL, Python or R) and strong statistical knowledge
• Experience working with regulators and passing audits (experience in Asian markets is a strong advantage)
• English level: Upper-Intermediate or higher (written and spoken communication, reporting, negotiations)

Work experience in microfinance is preferred:

• PDL (Payday Loans)
• IL (Installment Loans)
• BNPL (Buy Now Pay Later)
• POS (Point of Sale Financing)

What we offer:

• Flexible work format: remote
• Opportunity to contribute to the growth of an international fintech group
• Стабильная, высокая, белая зарплата, оклад + премия (годовая)
• Международный коллектив и работа, связанная с бизнесом в разных странах
• Гибкий график работы
• ДМС (Медстраховка)
• Оплата профильных курсов и конференций
• Корпоративное обучение английскому языкe
• Возможность полностью удаленной работы, из любой страны мира
• Офис в Москва-Сити или полностью удалённо

Ключевые навыки

• CRO
• Risk director
• Credit Risk
• Risk management
• Риск
• Анализ рисков
• Анализ технических рисков
• Портфельные риски
• Риск-менеджмент
• Инвестиционный анализ
• Финансовое моделирование
• Управление рисками
• Risk
• Chief Risk Officer
• Head of Risk
• Портфельный анализ
• Управление портфелем продуктов
• Retail Risk
• Portfolio risk management
• Оценка рисков
• Risk Analysis
• Credit Scoring
• Loans
• Credit
• Fintech
• Lending
• PDL
• BNPL
• SQL
• Python