Head of Risk

Lead the development, implementation, and governance of

credit scoring and risk control models

to support sustainable portfolio growth and effective risk management.

Key Responsibilities

Lead the design, enhancement, and monitoring of

credit scoring models

(application, behavioral, and collection scoring).

Develop and manage

risk control modules , including rule engines, policy rules, and decision trees.

Define and optimize

risk appetite, cut-off strategies, and score thresholds .

Collaborate with Product, Data, Collection, and Compliance teams to align risk strategy with business objectives.

Ensure scoring models and risk controls comply with

regulatory requirements

and internal governance.

Oversee model validation, back-testing, and periodic recalibration.

Prepare risk performance reports and present insights to senior management.

Requirements

Bachelor’s degree in Statistics, Mathematics, Economics, Finance, or related field.

3–5 years of experience in

credit risk, risk scoring, or risk analytics .

Strong knowledge of

credit scoring methodologies

and risk decision systems.

Experience working with

risk control modules, policy rules, and automation tools .

Strong analytical mindset with excellent communication and stakeholder management skills.

Experience in fintech, PJP, or lending industry is highly preferred.

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