CredFlow wants to bring on board an experienced, innovative, passionate and a collaborative leader as "Head of Risk" to build and lead a high-performance team and deliver data-driven business-decision oriented risk, analytics and modelling for the organization. Specifically, this role is required to develop a master risk thesis for their variety of lenders they partner with, creating credit risk scorecards and risk algorithms for all such products. Also, there will be a strong focus to automate credit decisioning and work with the technology team to implement the scorecards.

Develop & operationalize risk models :

Own and lead the end-to-end risk function, collections and data science
Design a comprehensive risk strategy incorporating risk decisioning, data science, business analytics and product management.
Developing credit risk models and scorecards that will determine loan eligibility, as well as repayment/default predictions.
Work with lending partners to co-develop/agree on credit risk models.
Develop, implement and monitor risk strategies cutting across credit underwriting, limit assessment, pricing, line management, and collections.
Develop models to determine pricing and interest rates to balance potential gains with risks.
Developing, deploying, and iterating on risk experiments to create better risk models
Drive advanced data science, AI/ML and analytics led business decision making to identify and reduce risk
Own fin-tech product-related analytics
Conducting end-to-end analytical processes to find solutions to business problems, from data preparation ,and exploratory data analysis, up to testing hypotheses both by doing observational and/or experimental analysis.
Develop collection strategy and drive implementation of collection procedures to ensure the feedback loop is closed and learnings are relayed into our credit decision strategies.
Craft automated dashboards to track metrics on risk strategy and portfolio performance.
Perform ad-hoc reporting and analysis, when needed.

Stakeholder Management :

Interact with business stakeholders to provide input in impact of credit strategies on customer communication and collections efforts
Engage in the most difficult decisions, providing top management with perspectives and guidance on strategic business risks
Function as a business partner, setting parameters not to get in the way of growth, but to ensure business decisions are consistently evaluated considering risk margins
Drive collaborative partnerships with business leaders, product and technology leaders and will be the face of the firm, liaising with external partners to advise and negotiate on the risk parameters

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