Credit Risk Business Lead in Flyer One Ventures

Overview

You are an experienced credit risk manager with deep expertise in credit card lending, skilled at developing risk strategies, decision-making frameworks, and advanced risk management techniques.

You will play a key role in designing and implementing credit risk systems, ensuring they are data-driven, effective, and aligned with market demands.

What You Will Be Doing

• Develop, update, and implement credit risk strategies, policies, and procedures, ensuring alignment with market conditions and regulatory requirements.

• Design and implement a credit decision-making system that optimizes risk assessment and customer experience.

• Develop scoring models and expert-based rules for credit decisions.

• Analyze and evaluate new data sources, adjusting how existing data is utilized in decision-making.

• Develop and implement risk mitigation strategies, including credit limits, pricing recommendations, and credit terms.

• Collaborate with product, legal, and finance teams to ensure effective credit risk management.

• Oversee the loan loss provisioning process.

• Monitor regulatory changes and adapt policies and procedures accordingly.

• Engage with third-party providers such as credit bureaus, account aggregators, etc.

• Build and optimize a credit portfolio management system, ensuring long-term stability and risk-adjusted profitability.

Your Experience

• 5+ years of experience in credit risk management in credit cards at a bank or fintech.

• Proven expertise in developing and applying advanced decision-making frameworks to enhance risk assessment and improve customer experience.

• Strong experience in building and managing scoring models, expert rules, and data-driven risk assessment methods.

• Advanced degree in finance, economics, or accounting.

• Experience in a start-up or fast-paced environment is a plus.

• Fluent in English.