Head of Risk (SQL required)

About the Role

We are seeking a highly skilled Senior Risk Manager/Lead to play a key role in shaping and managing risk strategies and frameworks at a digital financial services provider (Kredivo Group). This position focuses on ensuring alignment with the company’s objectives, risk appetite, and regulatory compliance while leveraging data-driven insights to enhance portfolio performance, mitigate risks, and drive sustainable growth.

Responsibilities

• Develop and implement robust risk management frameworks, KPIs, and reporting standards specific to financial lending products.
• Monitor credit risk metrics covering underwriting, fraud, and portfolio performance; proactively identify potential risks and design mitigation strategies.
• Conduct in-depth data analysis to provide actionable insights and recommendations to improve portfolio quality.
• Participate in the implementation and maintenance of credit risk models, ensuring compliance with internal policies and regulatory requirements.
• Collaborate closely with Collections, Product, and Data Science to create and refine cohesive risk management strategies and initiatives.
• Collect, interpret, and analyze risk data to support strategic decision-making and operational improvements.

Qualifications

• 5+ years of experience in credit risk management within financial lending (personal loans, credit card, SME loans, or related products).
• Managerial experience with a focus on collaboration and mentorship.
• Strong quantitative and analytical skills, with expertise in statistical analysis, credit risk modeling, and portfolio management.
• Working knowledge of SQL and proficiency in Excel are required; mastery in other database management software is highly appreciated.
• Experience in startup business is a plus.
• Proven ability to adapt and innovate in response to rapidly changing business environments.
• Excellent communication skills with the ability to present complex insights to both technical and non-technical stakeholders.
• Results-driven mindset, thriving in fast-paced and high-pressure environments.
• Fluency in English is a must.

Skills

• Working knowledge of SQL and proficiency in Excel
• Credit risk modelling and statistical analysis
• Portfolio monitoring and KPI/reporting design
• Regulatory compliance and risk reporting
• Cross-functional collaboration and stakeholder communication

Additional Information

• Work arrangement: onsite
• Employment type: full-time