Head of Risk Scoring
6 days ago
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.
- Analyze portfolio performance, approval rate, default rate, and model effectiveness
- 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.
- 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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