Darbo aprašymas

Develop and continuously optimize credit approval strategies and decisioning frameworks (e.g., scorecards, segmentation, rules engines).
Monitor and analyze portfolio performance metrics (delinquency, loss rates, vintage curves, etc.).
Develop (create requirements) and maintain robust risk dashboards, reporting, and early warning systems.
Identify trends, conduct root cause analysis, and implement corrective actions.
Work cross-functionally with product, marketing, finance, analytics, collection and technology teams to align risk initiatives with business strategy.
Present findings and recommendations to senior leadership and board-level stakeholders.

Model & Data Strategy

Collaborate with data science to enhance risk models (e.g., credit scoring).
Leverage internal and external data sources to improve predictive accuracy and customer insights.

Governance & Compliance

Ensure alignment of risk policies with regulatory requirements and internal risk appetite.
Support audit, compliance, and external regulatory interactions as needed.

Create and maintain thorough documentation of all credit policies and procedures.

Reikalavimai

Bachelor’s/Master’s degree in finance, economics, mathematics, or a related field
Fluent in English
Excellent analytical, problem-solving, and communication skills.
Experience in credit risk management, preferably within fintech, consumer lending, or payday loan businesses. Candidates coming from banking sector are considered too.
Knowledge of credit policy development, portfolio analytics, and risk systems.
Experience with decision engines, scoring models, and credit bureau data.
Must have a knowledge of SQL and Excel (pivot tables). Experience with Python or R would be nice to have as well although not necessary for the role

Work in a dynamic international financial company.
After the probation period – hybrid work model.
A day off on the occasion of your birthday.
Training and professional development opportunities.
Additional health insurance (after the probation period).
Free parking space, motivational events, celebrations, after-work activities, etc.