Head of Risk

Lead the development, implementation, and governance of credit scoring and risk control models to support sustainable portfolio growth and effective risk management.

• Lead the design, enhancement, and monitoring of credit scoring models (application, behavioral, and collection scoring).
• Develop and manage risk control modules
  , including rule engines, policy rules, and decision trees.
• Define and optimize risk appetite, cut-off strategies, and score thresholds
  .
• Collaborate with Product, Data, Collection, and Compliance teams to align risk strategy with business objectives.
• Ensure scoring models and risk controls comply with regulatory requirements and internal governance.
• Oversee model validation, back-testing, and periodic recalibration.
• Prepare risk performance reports and present insights to senior management.

• Bachelor’s degree in Statistics, Mathematics, Economics, Finance, or related field.
• 3–5 years of experience in credit risk, risk scoring, or risk analytics
  .
• Strong knowledge of credit scoring methodologies and risk decision systems.
• Experience working with risk control modules, policy rules, and automation tools
  .
• Strong analytical mindset with excellent communication and stakeholder management skills.
• Experience in fintech, PJP, or lending industry is highly preferred.