👥VACANCY: Директор по рискам/Head of risk/CRO WHERE: Finstar Financial Group LOCATION: Moscow JOB DISCRIPTION: ✅ We are looking for a person to join team as Chief Risk Officer. The person will be responsible for credit risk governance, incl. developing the risk appetite, credit policy and collections policy for our existing products (POS loans, cash loan and revolving credit limit) and any new ones we may want to roll out in the future. ✅ The role will oversee various teams that are responsible in executing the policies such as Underwriting, risk scoring, provisions, collection & recovery Currently decision-making process is semi-automatic and the goal is to make it fully automatically by implementing new tools. Collection procces is fully actionable in-house from soft-collection stage to letigation stage. We also have two external debt collection agencies on contract and irregular debt sales through marketplaces. But it requers optimisation and more A/B testing to elaborate the best strategy. ✅ You will lead a team of 26 people (incl. risk analysts, underwriters, anti-fraud specialists, debt collectors). Risk-related competences that are covered within the team decision-engine development, reporting, analytics and modelling. Also we outsource scorecard development and legal entities checks. ✅ The role will report to the CEO. The person will work in cooperation with CFO (finance/accounting would be an advantage) and Commercial director. ✅ In ideal scenario operational risk management should also be Chief Risk Officer’s responsibility. REQUIREMENTS: ✅ MSc in mathematics, computer science, economics ✅ At least 6 years of experience in retail credit risk management ✅ At least 2 years of experience at managerial positions at the Bank/Financial companies ✅ Proficiency in risk policy, scoring, collection provisioning ✅ Proven track record ✅ Background in finance/IT would be an advantage CONDITIONS: ✅ Competitive salary ✅ Annual bonus ✅ Monthly bonus based on KPI READ MORE: https://www.google.com/search?ibp=htl;jobs&q=%D0%B2%D0%B0%D0%BA%D0%B0%D0%BD%D1%81%D0%B8%D1%8F+%D0%B4%D0%B8%D1%80%D0%B5%D0%BA%D1%82%D0%BE%D1%80+%D0%BF%D0%BE+%D1%80%D0%B8%D1%81%D0%BA%D0%B0%D0%BC&hl=ru-RU&kgs=aee7dee9f32ad6b9&shndl=-1&source=sh/x/im/textlists/detail/1&entrypoint=sh/x/im/textlists/detail#fpstate=tldetail&htivrt=jobs&htiq=%D0%B2%D0%B0%D0%BA%D0%B0%D0%BD%D1%81%D0%B8%D1%8F+%D0%B4%D0%B8%D1%80%D0%B5%D0%BA%D1%82%D0%BE%D1%80+%D0%BF%D0%BE+%D1%80%D0%B8%D1%81%D0%BA%D0%B0%D0%BC&htidocid=PJoJX7IbFN4AAAAAAAAAAA%3D%3D