Description of company: Founded in late 2012, Revo Technologies (brand Mokka) is the leading Buy Now Pay Later company operating in the Central Eastern European markets of Poland, Romania, Bulgaria and Russia. Mokka has more than 12 million registered customers. With Mokka you can buy now and pay later with 0% at thousands of your favorite stores. Responsibilities: The Group CRO will be responsible for building and managing a high-performing team that oversees all aspects of risk management for our consumer loan portfolio, balancing lending volumes and risk costs in line with the Group’s business plan in each market. The functional areas overseen by the Group CRO include the development of data sources, models, processes and policies for credit underwriting, monitoring & reporting, fraud management and prevention, collection strategies and execution specifically:
Developing and improving the Company’s underwriting decision logic to reduce credit and fraud losses and optimize portfolio quality and contribution over time:
Identifying key sources of customer information and data requirements that can improve underwriting decisions and reduce decision costs, including identifying and collecting unique internal data, such as merchant data, Mokka mobile app data, metadata, etc.; Contracting, interacting with and monitoring the performance of credit bureaus and other data providers and identifying new data sources that may be relevant for the company’s business and improving performance; Continuously analyzing portfolios and vintage performance by merchants, risk grades, services as well as individual customers to refine underwriting and limit management decision logic; Applying segmentation and cluster-based policies to address the specifics of each customer profile, regions, merchant networks and B2C products; Working closely with the Data Science team and Data infrastructure team to develop solutions for timely data capture, portfolio monitoring and improving decisioning tools Selecting and shaping the technology platforms which support models and decision processing Contributing to the development of new credit products and services for specific merchants and customer segments;, including proposing changes in pricing to reflect changes in risk profiles and performance
Developing processes and criteria for monitoring portfolio performance; putting in place an early warning system and actions to identify highest risk customers and managing exposure and losses in line with the business plan; Developing and improving processes for maximizing collection performance, including outsourcing collection processes to third parties; Preparing key risk management analytics and regular reports to enable timely steering and risk assessment by senior executive team and Board of the company; Defining requirements and overseeing implementation of all aspects of risk process automation and reporting, including key IT infrastructure supporting risk management activities, e.g. DWH, scoring engine, etc.; Recruiting and developing a team of highly qualified professionals to execute strategy and priorities of the Risk management function
Requirements of candidates: 5+ years in risk management in retail banking, microfinance or fintech businesses in leadership position. The Group Chief Risk Officer will have the following qualifications:
Deep know-how and capabilities in statistical analysis, modeling, decision science, risk management technology and tools and key risk management processes and database management; Analytical mindset and knowledge of the latest trends in modeling techniques for decision science and technologies; Strong focus on data driven analytics and performance Results orientation; Strong communication and team work skills; Team leadership, people development and training; Passion for technology and innovation; if possible, knowledge of latest IT and data science tools and automation solutions, and new data sources for risk management processes High energy level and drive to join a fast-growing business and create new products and services As one of the key executives in the team, contribute to identifying opportunities to grow and improve performance throughout the business Fluency in English
We offer:
A key role in the company with a direct impact on products and business performance; Ambitious targets and enthusiastic team; Work in a dynamic fintech company with fast-growing business and opportunities across markets and where data is at the core of the business’ performance A strong team with experienced top managers and key employees of the company who are ready to share ideas and experiences; Wide functionality and area of ​​responsibility, freedom to choose tools to achieve goals; Professional development: training, advanced training, thematic conferences; Full compliance with the Russian legislation; Fixed salary and bonuses (discussed individually with a successful candidate); Modern office near Tulskaya metro. Hybrid format, Medical insurance, etc

Июль 2022