Deputy CRO / Portfolio Risk manager - Neobank, Fintech, PDL, IL, BNPL, POS (Spain, Barcelona)

Deputy CRO / Portfolio Risk manager - Neobank, Fintech, PDL, IL, BNPL, Car loans, POS (Spain, Barcelona)

Крупная международная Fintech компания, приглашает в штат Deputy CRO / Portfolio Risk manager, в штат крупной FinTech группы, Spain, Barcelona – с релокацией в Испанию, Барселона.

Компания оформляет официальное разрешение на работу в Испании, для вас и вашей семьи (за счёт компании)

ROLE TITLE Deputy CRO / Portfolio Risk manager (Spain)

DEPARTMENT Risk Department

REPORTS TO Group CRO Spain

LOCATION Barcelona, Spain

1. ROLE PURPOSE

Oversee Risk activities for Spanish projects under the direction of the Head of Risk.

2. PRIMARY RESPONSIBILITIES

- Management of the Cost of Risk
- Quality management of the loan portfolio for the company's products.
- Monitoring the effectiveness of the current Credit Policy, its analysis and improvement in all its parts (including, but not limited to: Anti-fraud tools, Credit rules, Scoring, Verification)
- Analysis of additional data sources, their impact on the quality of Credit policy, the possibility and effectiveness of use in various parts of Credit Policy
- Monitoring and analysis of the quality of the loan portfolio
- Methodology, forecast and control of the level of repayment on loans issued at all stages: payment on schedule, pre-Collection and Collection stages
- Monitoring and development of key metrics regarding risk and profitability assessment, the effectiveness of the lending process and effective protection against fraud, the effectiveness of collection of overdue debts at various stages, including the sale of a portfolio of bad debts; Determination of the KPI for the portfolio and the set of measures applicable in case of KPI exit from the target values. Active participation in the budgeting process

3. KNOWLEDGE & SKILLS

Skills:
- Excellent communication skills at various layers of the organization
- Strong analytical and mathematical skills and mind - at least 3 years of experience in a similar
- KPI Implementation + monitoring
- Mentoring

Outstanding analytical skills:
- Self-motivated, with ability to lead and drive change initiatives, can-do attitude
- Good organizational / time management skills, structural thinking
- Ability to be hands-on with high attention to detail but also not lose strategic standpoint
- Willingness to work in a fast-growing company working environment and adapt to changes fast. Banking or lending business knowledge

Knowledge/Abilities:

JOB DESCRIPTION
- Strong Knowledge of and experience with databases and statistics (SQL, Python) - at least 5 years of experience. ClickHouse knowledge is a plus.
- Data visualization packages (Tableau, Looker, etc.).
- Knowledge in Statistics or Mathematics is a must.
- Data-driven decision making
- Knowledge of PDL local market is a plus

6. PREFERRED QUALIFICATIONS & EXPERIENCE

Experience Target:
- 3 years' experience in consumer credit products

Условия:

- Стабильная, высокая, белая зарплата - Salaries linked to exchange rates

- Международный коллектив и работа, связанная с бизнесом в разных странах

- Работа в одной из самых быстрорастущих fintech компаний в мире

- Оформление трудовых отношений в соответствии с ТК

- Гибкий график работы - Гибридный график

- ДМС (Медстраховка) - Medical insurance after probation period

- Оплата профильных курсов и конференций

- Компенсация обучения английскому / испанскому языкам и спорт / фитнес

- Корпоративное такси

- Офис в центре Барселоны, Испания

- A work schedule that respects the biorhythms of each individual employee

- Adequate management, absence of bureaucracy; a strong and truly friendly team

- Fun corporate life (team building, events and corporate gifts)
- Relocation to Spain (Barcelona) ~ after 2-3 months