We are looking for a Risk Manager to join our Ecofinance team within Dyninno Group fintech division. Ecofinance is a fast-growing fintech company delivering accessible B2C financial services worldwide. Through our P2P platform, we offer flexible products like short-term loans, installment loans, and lines of credit via brands like Creditprime and Honey Loan – all online for maximum convenience. With over 5 million clients in Romania, Moldova, and the Philippines, Ecofinance ranks among the top ten microfinance providers by loan volume.
As a Risk Manager you will be responsible for developing and implementing comprehensive risk policies, ensuring effective credit risk and operational risk management, and optimizing decision-making processes. ResponsibilitiesRisk Policies Development: Develop, implement, and calibrate risk policies (provisioning methodology, credit risk, operational risk, anti-fraud, etc. ). Manage decision-making processes and implement risk strategies and score models. Risk ManagementEnsure adherence to risk policies and oversee risk management and reporting processes. Conduct credit portfolio and risk analysis, providing improvement recommendations and corrective actions. Prepare comprehensive credit risk review and risk assessment reports.
Monitoring And AnalysisRegularly monitor and analyze key risk indicators to ensure alignment with the company’s strategy. Identify and stay abreast of new trends in the industry. Monitor the provisions calculations conducted within the company under the Central Bank of the Republic of Azerbaijan regulatory requirements and conduct the impact assessment to understand the potential impact on the company performance. Governance FrameworkEstablish and implement a robust risk governance framework for operations at the country level in the region. Decision-Making OptimizationDevelop and optimize automatic decision-making processes related to credit risk, fraud prevention, and collection optimization.
Participate in budgeting and forecasting of NPL, LLP, AR. Collection Strategy And ProcessesDevelop, implement, optimize, and support collection strategy and processes, on-boarding, and risk assessment. Data ManagementManage new and existing data sources, including identification, implementation, usage, monitoring, and analysis. RequirementsHigher education in Mathematics, Economics, Finance, or related fields. Proven experience in credit risk management, scoring models development, provisioning, portfolio management, and analysis (Azerbaijan market experience is a strong advantage). Strong communication and cooperation skills are important. Ability to plan and organize work independently. Excellent knowledge of MS Office (Excel, PowerPoint, Word)/Power BI.
Experience working with tools like SQL, R, Python. Proficient in English (B2 and higher).
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