CRO / Chief Risk Officer - Neobank, Fintech, Microfinance, PDL, BNPL, IL, POS

Vacancy CRO APAC (Chief Risk Officer) / Head of Risk - Moscow or REMOTE

A large Fintech company, and part of a large fintech group, in search of a CRO APAC (Fintech, PDL, BNPL, IL, POS).

We are seeking a highly skilled and experienced individual to join our team as CRO (Chief Risk Officer) at our online lending company or completely remotely.

Strategy & Credit Risk Management:
- Develop and approve scorecards and decision rules for online and offline applications, tailored to borrower demographics and behavior
- Manage the full credit lifecycle (Origination, Account Management, Collections) from a risk perspective, including setting limits, loan terms (tenor, amount), and pricing strategies
- Continuously monitor and analyze key risk metrics: Approval Rate, Default Rate, Roll Rate, Portfolio at Risk (PAR 30+), Expected Credit Loss (ECL)
- Conduct portfolio stress testing and develop preventive action scenarios

Model Development & Validation:
- Lead the development, implementation, and monitoring of predictive models (Application Score, Behavioral Score, Collection Score, Fraud Score)
- Organize regular model validation (discrimination, stability, calibration) in line with best practices and regulatory requirements
- Identify and implement alternative scoring approaches and data sources

Regulatory Compliance:
- Proactively monitor changes in consumer lending regulations and ensure timely implementation in processes and models
- Act as a key point of contact with regulators and internal compliance teams on all risk-related matters

Fraud Risk Management:
- Develop and manage strategies to prevent both first-party and third-party fraud in digital lending
- Implement rules and technologies for fraud detection at the application stage (document verification, biometrics, behavioral analysis)
- Analyze fraud patterns and continuously adapt prevention mechanisms

Data Management & Analytics:
- Define data requirements for scoring and reporting; collaborate with IT and Data teams to ensure data quality and availability
- Apply advanced analytics (including machine learning) to improve model performance and customer segmentation
- Prepare regular risk reports for management and shareholders

Team Leadership & Cross-functional Collaboration:
- Lead and develop a distributed team of risk managers and data scientists across two countries
- Partner closely with Product, Marketing, Collections, and IT teams to embed risk strategies across the full product lifecycle
- Educate commercial teams on risk management principles to balance growth and portfolio quality

Requirements:
- 5+ years of experience in risk management, including at least 2+ years in a leadership role (CRO / Head of Risk / Senior Risk Manager)
- Relevant experience in unsecured lending
- Strong understanding of the full credit risk lifecycle (Origination to Collections)
- Proven experience in developing and implementing scoring models (Application/Behavioral) and scorecard & decision rule strategies
- Proficiency in data analysis tools and programming languages (SQL, Python or R) and strong statistical knowledge
- Experience working with regulators and passing audits (experience in Asian markets is a strong advantage)
- English level: Upper-Intermediate or higher (written and spoken communication, reporting, negotiations)

Work experience in microfinance is preferred:
- PDL (Payday Loans)
- IL (Installment Loans)
- BNPL (Buy Now Pay Later)
- POS (Point of Sale Financing)

What we offer:
- Flexible work format: remote
- Opportunity to contribute to the growth of an international fintech group
- Стабильная, высокая, белая зарплата, оклад + премия (годовая)
- Международный коллектив и работа, связанная с бизнесом в разных странах
- Гибкий график работы
- ДМС (Медстраховка)
- Оплата профильных курсов и конференций
- Корпоративное обучение английскому языкe
- Возможность полностью удаленной работы, из любой страны мира
- Офис в Москва-Сити или полностью удалённо