Head of Risk Management

We are an international fintech company. Since 2025, we have been providing loans in Spain. We are looking for a Head of Risk Management — a professional who will be responsible for the quality of the loan portfolio and will directly influence the company’s default rate and profitability.
What we offer:
Competitive salary with growth opportunities based on your contribution to achieving KPIs.
Fully remote work from anywhere.
Full ownership of the risk management function: you will define lending policies and directly influence the quality of the loan portfolio.
Direct collaboration with the Project Manager — decisions are made quickly without multiple layers of approval.
The opportunity to implement new tools and approaches.
Your responsibilities:
Manage key loan portfolio metrics, including DPD, default rate, delinquency inflow, NPL, Approval Rate, Cost of Risk, and portfolio profitability.
Develop lending policies and credit scoring logic by generating hypotheses, conducting tests, and adjusting approval criteria and credit limits.
Lead the Risk Analytics team: assign tasks, ensure high-quality execution, and support team development.
Independently work with data in PostgreSQL: build datasets, analyze customer segments, and validate hypotheses.
Prepare technical requirements for the IT team when implementing new lending rules and process changes, and monitor the correctness of implementation.
Build analytical reports and dashboards, and prepare regular risk reports for management.
Collaborate with the Risk Management team to ensure compliance with procedures and achievement of target KPIs.
Who we are looking for:
Experience in a leadership role within Risk Management.
Mandatory experience in an MFI, microfinance, consumer lending, or banking environment.
Strong SQL skills and hands-on experience with relational databases.
Advanced proficiency in Google Sheets and Microsoft Excel (complex formulas, pivot tables, data analysis).
Strong understanding of the economics of lending products.
Experience managing teams and monitoring key performance indicators.
Ability to build transparent business processes and analytical frameworks.
Ability to translate business requirements into clear technical specifications for the IT team.
Will be an advantage:
Knowledge of Python for analytics and model development.
Experience with BI tools such as Metabase, Tableau, or Power BI.
Experience developing credit scoring models from scratch.
Experience working in European markets and understanding their regulatory requirements.
Experience designing and implementing fraud prevention (anti-fraud) rules.