1. Risk Strategy & Credit Policy Development

• Lead the development and refinement of risk policies, underwriting models, and credit scorecards for unsecured lending.
• Define and maintain risk appetite frameworks in alignment with business growth targets and regulatory requirements.
• Continuously optimize lending criteria, approval rates, and credit limit strategies based on customer behavior and market trends.
• Work closely with product teams to develop risk-based pricing strategies, ensuring that pricing reflects both risk exposure and competitive market positioning.

2. Risk Execution & Portfolio Monitoring

• Oversee the full risk lifecycle, including loan origination, credit decisioning, portfolio management, early warning systems, collections, and recoveries.
• Monitor key risk indicators (e.g., delinquency rates, default rates, loss given default, non-performing loans) and implement proactive mitigation strategies.
• Work with data science teams to develop machine learning models for risk assessment and fraud detection.
• Regularly conduct stress testing and scenario analysis to ensure resilience in different economic conditions.

3. Regulatory Compliance & Governance

• Ensure full compliance with SBV regulations, Basel II/III, IFRS 9, and internal credit risk policies.
• Conduct periodic internal audits, risk assessments, and regulatory reporting to maintain adherence to industry standards.
• Serve as the primary risk representative in internal and external audits, ensuring transparency in risk management processes.

4. Fraud Risk Management & Prevention

• Develop and implement fraud detection and mitigation strategies to prevent application fraud, identity theft, and transactional fraud in unsecured lending.
• Utilize advanced fraud detection tools to identify suspicious patterns and enhance fraud prevention capabilities.
• Collaborate with law enforcement agencies and fraud analytics teams to investigate and mitigate fraud risks effectively.

5. Cross-Functional Collaboration (Risk + Product + Pricing)

• Work closely with the Product team to align pricing models with risk frameworks.
• Collaborate with Finance to balance business growth and risk exposure in profitability models.
• Partner with Legal, Compliance, and IT to ensure risk policies and products meet regulatory requirements.
• Provide training and guidance on risk-based pricing and credit risk assessment.

6. Leadership & Team Development

• Build and lead a team of credit risk analysts, fraud specialists, and policy experts.
• Promote a risk-aware culture through training and development.
• Encourage adoption of Agile risk management practices to respond to market changes.

Qualifications:

• Bachelor’s degree in Marketing, Business, Data Science, or a related field. A Master’s degree is a plus.
• Minimum of 3-5 years of experience in performance marketing, digital marketing, or customer value management, preferably in the banking or financial services industry.
• Proven track record in driving performance marketing campaigns that deliver measurable business results.
• Strong understanding of marketing analytics, customer segmentation, personalization, and marketing technology platforms.
• Experience in gamification strategies and customer engagement mechanics is a strong advantage.
• Proficient in using performance marketing tools, including Google Analytics, AdWords, Facebook Ads, and A/B testing platforms.

Skills and Competencies:

• Data-Driven Mindset: Ability to leverage data analytics to drive marketing decisions, measure campaign performance, and optimize strategies.
• Customer-Centric Approach: Strong understanding of customer behavior, segmentation, and personalization to enhance customer engagement.
• Innovation and Creativity: Ability to develop creative communication strategies and apply gamification to boost customer interaction.
• Campaign Management: Expertise in managing and optimizing multi-channel performance marketing campaigns to achieve business objectives.
• Collaboration and Communication: Strong collaboration skills to work effectively across marketing, analytics, and product teams, with the ability to present insights and recommendations clearly.