Lead Risk Manager – Portfolio Owner

This is a fully remote position, open to applicants in India, +2 more states.

📋 Description

• Take ownership of Android revenue, sustainable Gross Loan Book growth, risk-adjusted Gross Profit, economic profit, and credit-risk performance.

• Develop and manage the annual Android business plan and strategic roadmap.

• Generate monthly portfolio forecasts and reconcile actual performance with budget and prior forecasts.

• Identify significant variances and implement corrective measures.

• Oversee credit and portfolio metrics such as ECL/Revenue, approval and disbursal rates, loan size, tenure, exposure, FPD, roll rates, PAR, NPL, repeat value, and CAC payback.

• Collaborate with Finance and Portfolio Economics on NPV, funding efficiency, and performance attribution.

• Lead the ongoing enhancement of the end-to-end Android credit strategy for new, returning, top-up, consolidation, high-risk, and rejected-customer segments.

• Apply PD cut-offs and calibration, pricing, offers, tenure, exposure limits, affordability, income-source treatment, fraud overlays, MBS treatments, and customer-routing logic.

• Implement affordability assessments using bank-statement/MBS signals, transaction behavior, SMS-derived estimates, declared income, and repayment history.

• Design and evaluate controlled A/B, multivariate, and champion/challenger tests.

• Convert strategy into decision-engine rules and production implementation requirements.

• Manage replay, back-testing, validation, staged rollout, monitoring, and post-implementation reviews.

• Prioritize the portfolio roadmap and approve, scale, pause, modify, or revert controlled experiments.

• Adjust team capacity and address delivery obstacles within designated authority.

• Build and guide a senior Android credit-strategy team.

• Establish portfolio operating rhythms, develop workstream leaders, and appoint a portfolio deputy.

• Minimize key-person dependency through documentation, controls, and standardized processes.

• Drive cross-functional collaboration with Decision Science, Product, Engineering, Growth, Finance, Portfolio Economics, Collections, Fraud, Compliance, Legal, Operations, and Customer Service.

⛳️ Requirements

• Minimum of 6 years in consumer credit risk, credit strategy, or lending portfolio management.

• Proven experience managing a substantial lending portfolio or product line, encompassing revenue, GLB, risk, and profitability.

• Demonstrated expertise in developing annual business plans, monthly forecasts, and corrective action plans.

• Strong experience in digital unsecured lending; familiarity with the Nigerian or broader African market is highly preferred.

• Advanced knowledge of PD, LGD, EAD, vintages, roll rates, IFRS 9/ECL, pricing, offers, tenure, exposure, affordability, and NPV.

• Proficient in SQL and comfortable with Python or similar analytical tools.

• Experience in translating credit strategy into decision-engine rules and controlled production modifications.

• Proven track record of building senior teams, developing successors, and leading complex cross-functional initiatives.

• Exceptional executive communication skills and the ability to challenge decisions with supporting evidence.

🏝️ Benefits

• 25 days of paid vacation, along with Sick & Public Holidays for B2B contractors.

• Remote work option (timezone must have significant overlap with CET).

• Access to a Training & Development budget.

• Coverage for paid company business trips.