About Fintech Farm
We launched our first market with Leobank in Azerbaijan in 2021, where we have already established market leading positions. Our next market was Vietnam, where we launched Liobank in early 2023 and also gained solid traction.
India is our next market, which we are looking to launch in the next 6 months, and we are starting to build the team there.
Why Fintech Farm is a great place to be
Our ambition. We are looking to become a leading consumer digital bank brand in each of the markets we operate making it really easy for consumers to interact with their money. You could be a part of this exciting journey.
Our culture. Common sense rather than formal policies prevail in all what we do. For example, we don’t set holiday allowance. Our offices are spread across London, Europe and our markets of presence, and you could work remotely. Just do it the way it’s efficient for you.
Your role
You are an experienced credit risk manager, with extensive expertise in credit card lending in India, adept in navigating and applying expert rules and advanced strategies specific to the credit card sector.
What you will be doing
– Develop, update, and implement credit risk strategies, policies, procedures ensuring they align with market environment and regulatory requirements in India – Analyze borrower’s credit risk including creditworthiness, bank statements and related market practices
– Develop and implement strategies to minimize risks including setting credit limits, recommendations on pricing and credit terms
– Liaise with product, legal, and finance teams to ensure effective credit risk management
– Oversee loan loss provisioning process
– Prepare comprehensive reports for audits and regulatory bodies
– Monitor changes to credit legislation and regulations, and adapt policies and procedures accordingly
– Engage with third-party providers like credit bureaus, account aggregators etc
Who you are
– A self-starter, who doesn’t take “No” as an answer, result-oriented, enjoy operating at speed, open and honest
– High energy level and positive attitude)
– Think structurally, enjoy solving problems
– Good communicator and presenter
– Strongly analytical and a critical thinker
– Deeply understand financial analysis, accounting and economics
Your experience
– 5+ years of experience in credit risk management in credit cards at a bank or fintech – Expert in developing and applying effective decision-making frameworks within the credit card sector, significantly enhancing risk assessment capabilities and improving customer experience
– Advanced degree in finance, economics or accounting
– Preferably experience in a start-up / fast-paced environment
– Deep understanding of local and international regulations in consumer lending – Fluent in English and preferably Ukrainian / Russian
What we are offering
– Competitive compensation negotiable depending on the candidate level
You will work as a part of the project team at our partner bank in India, report to our project director and work hand-in-hand with our central credit decisioning team to ensure knowledge transfer. Our partner bank is Mumbai-based, our central credit decisioning team is Europe-based, and you will be a vital bridge between these worlds. The role is Mumbai-based but you could work remotely most of the time.
