CRO / Сhief Risk Officer (Credit cards), Barcelona

Vacancy: CRO / Сhief Risk Officer - Credit cards - Spain, Barcelona

+ with previous experience in the credit card industry

ROLE TITLE Сhief Risk Officer
DEPARTMENT Risk
REPORTS TO Global Head of Risk/ Country Manager
LOCATION Barcelona, Spain

1. ROLE PURPOSE
Lead Risk function for Credit cards project

2. PRIMARY RESPONSIBILITIES
- Credit Risk Strategy: Develop, implement, and continuously improve credit risk policies and strategies across the customer lifecycle, including acquisition, underwriting, credit limit management, cross-sell, and collections
- Portfolio Management: Monitor and manage credit card portfolio quality, risk, and profitability. Define key KPIs and implement corrective actions when necessary
- Risk Analytics: Analyze portfolio performance, including approval rates, delinquency, roll rates, charge-offs, cost of risk, and vintage/cohort analysis
- Scoring & Decisioning: Develop and optimize credit decisioning strategies, scoring models, underwriting rules, and fraud prevention measures
- Data Strategy: Evaluate and integrate new data sources and decisioning tools to improve risk assessment, approval rates, and portfolio profitability
- Provisioning & Forecasting: Develop and maintain methodologies for credit loss forecasting, repayment projections, and provisioning under local accounting standards and IFRS 9
- Collections & Recoveries: Monitor and optimize collection strategies, restructuring processes, recovery performance, and non-performing loan portfolio sales
- Financial Planning: Participate in budgeting, financial forecasting, scenario analysis, and monitoring of actual performance against targets
- Cross-functional Collaboration: Work closely with Data Science, Collections, Marketing, Product, Finance, and IT teams to implement risk initiatives
- Reporting & Management: Prepare risk reports and strategic recommendations for senior management
- Team Leadership: Lead, develop, and manage the Credit Risk team, ensuring effective execution of key initiatives

3. KNOWLEDGE & SKILLS
- Credit Risk Experience: At least 5 years of experience in credit risk management, portfolio analytics, or credit decisioning, preferably within the credit card business
- Portfolio Management: Proven experience in managing credit card portfolio risk and profitability, including acquisition strategies, credit limit management, portfolio monitoring, and collections
- Credit Decisioning: Hands-on experience in developing, implementing, and optimizing credit policies, underwriting rules, scoring models, and automated decision-making strategies
- Analytical Skills: Strong analytical, mathematical, and statistical skills, with advanced SQL and Python proficiency and experience working with large datasets
- Data Visualization: Experience with BI and reporting tools (Tableau, Looker, Power BI, or similar)
- Business Knowledge: Solid understanding of retail lending, credit card economics, and the full credit lifecycle, from application and account usage to repayment, delinquency, and default
- Results-Oriented Approach: Proven track record of independently identifying and implementing initiatives that deliver measurable improvements in risk KPIs and portfolio profitability
- Leadership & Collaboration: Experience in leading analytical or risk teams and working effectively with cross-functional stakeholders
- Personal Skills: Proactive, data-driven mindset, strong attention to detail, excellent organizational and prioritization skills, and the ability to translate complex analysis into actionable business decisions
- Fluent English - spoken and written

Experience Target:
>5 years’ experience in consumer credit products

Условия:
- Стабильная, высокая, белая зарплата + бонусы KPI
- 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
- ДМС (Медстраховка) - Medical insurance after probation period
- Оплата профильных курсов и конференций
- Компенсация обучения английскому / испанскому языкам и спорт / фитнес
- Корпоративное такси
- Гибридный график
- 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 Barcelona (Spain)
- Relocation to Spain (Barcelona) ~ after 2-3 months