Chief Risk Officer- Remote...

About Our Client

Fintech company that specializes in credit solutions through digital platforms.

Job Description

Credit Risk Strategy

• Define and enforce credit policies, scorecards, risk-based pricing, and cut-off rules across customer segments.
• Own the performance of the credit portfolio (NPL, roll rates, recovery curves, expected losses).
• Track and optimize unit economics at the cohort and product level.

Risk Infrastructure

• Build and manage models for PD, LGD, EAD, and loss provisioning (expected and stress).
• Design and implement monitoring dashboards, control loops, and early warning systems.

Fraud Risk

• Oversee identity fraud, synthetic risk, device risk, and transaction fraud.
• Implement layered fraud detection (device fingerprinting, behavioral signals, anomaly detection).

Regulatory & Operational Risk

• Ensure compliance with Mexican and cross-border financial regulations (CNBV, AML / KYC, data protection).
• Lead internal controls, risk audits, and risk mitigation planning.

Risk Governance

• Serve as risk representative to the board and regulatory bodies.
• Lead risk committees and collaborate with finance, product, collections, data, and compliance functions.

The Successful Applicant

• 10+ years in credit or risk roles, with at least 5 years leading risk in a lending business.
• Proven experience in unsecured consumer lending (online, mobile, or traditional).
• Managed risk teams of 10+ across analytics, fraud, and compliance.
• Built or scaled risk functions in fintech, neobank, SOFOM, or regulated lender.
• Experience managing risk in low-to-mid ticket sizes with short terms and high volumes.
• Advanced understanding of statistical credit models, portfolio segmentation, scorecard development.
• Strong SQL and familiarity with data science tools
• Understanding of IFRS 9, provisioning, stress testing, and risk-adjusted pricing.

Education

• Degree in Statistics, Mathematics, Economics, Finance, Engineering or similar.
• Advanced degree (MSc, MBA) preferred.
• Fluent in Spanish and English

What's on Offer

Competitive compensation and benefits package.

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