Chief Risk Officer
Role Overview
A profitable, venture-backed fintech is expanding financial services for underserved consumers and small businesses in emerging markets.
Its platform includes consumer lending, SME financing, payments, and banking, and it is expanding into unsecured lending.
The hands-on strategic leader will build and scale credit risk infrastructure, using proprietary transaction data to serve customers with limited or no traditional credit history.
Key Skills for This Role
Full Job Posting
Opportunity
A profitable, venture-backed fintech is expanding financial services for underserved consumers and small businesses in emerging markets.
Its platform includes consumer lending, SME financing, payments, and banking, and it is expanding into unsecured lending.
The hands-on strategic leader will build and scale credit risk infrastructure, using proprietary transaction data to serve customers with limited or no traditional credit history.
Key responsibilities
- Develop credit risk strategies, underwriting policies, and decisioning frameworks across products and markets.
- Build and scale unsecured lending products using alternative data, credit scoring, and risk-based pricing.
- Own portfolio performance, risk analytics, collections, and regulatory risk management.
- Build and lead credit risk, data science, fraud, and collections teams.
- Partner with executive leadership to balance credit performance, profitability, and growth.
Ideal candidate profile
- 10+ years of credit risk experience; fintech, digital lending, or neobanking experience is ideal.
- Proven experience building and scaling unsecured credit products in emerging markets or low-data environments.
- Deep expertise in alternative-data underwriting, credit decisioning, and portfolio management.
- Strong technical foundation, commercial judgment, and an entrepreneurial, hands-on approach.
- Experience building teams and risk infrastructure in high-growth environments.
- Experience operating within regulated financial institutions is preferred.
Location and travel
- UAE is preferred; location is flexible, with international travel.
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