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About R2
R2 is a leading provider of financial solutions to small and medium-sized businesses in Latin America. Our mission is to unlock the potential of these businesses by providing tailored financial solutions.
Job Summary
We are seeking an experienced Risk Management Leader to join our team as Head of Credit Policy. In this role, you will be responsible for steering our credit policies based on rigorous analyses of our portfolio and implementing tools and strategies to recover capital.
Key Responsibilities
- Own and manage our core risk metrics across our portfolio.
- Develop and operationalize risk procedures, identify and drive requirements for future state risk management tools, systems, and reporting.
- Document credit decisioning with supporting evidence, capture risk mitigation actions, and measure the impact of key initiatives.
- Dive into data to identify instances of fraud, credit, and compliance risks and drive risk mitigating actions where appropriate.
- Set underwriting guidelines and credit thresholds that balance our growth/conversion targets and risk appetite, working alongside our Data Science team to improve our risk model performance.
- Work with third-party providers to integrate identity verification and other risk mitigating technologies that afford us with scalable lending solutions.
- Ensure the proper execution of the collections strategy across all our partnerships/countries.
- Coordinate with third-party collections agencies to optimize write-off capital recovery, and develop engagement strategies to improve their performance.
- Establish key metrics and KPIs to monitor the performance of our Credit & Collections teams.
- Build and manage world-class Credit & Collections teams.
Requirements
- Deep knowledge of risk management at a financial services company (preferably fintech or lending) - 7+ years of experience.
- Able to take ownership of multiple projects while operating in a collaborative environment and a strong desire to learn from and grow with other team members.
- Proven ability to proactively, efficiently, and accurately assess risks in a fast-paced environment.
- Track record of creative problem-solving, excellent written and oral communication skills, and creation of strong and trusted cross-functional relationships.
- You understand how to translate the written foundational processes into software products.