Chief Risk Management Strategist

2 days ago


Bucharest, Bucureşti, Romania beBeeCreditRisk Full time
Job Title: Credit & Collections Director

The position of a Credit & Collections Director is pivotal in driving business growth through effective credit risk management. This role involves leading end-to-end credit risk management processes, encompassing the definition of risk appetite, the selection and implementation of credit-decisioning technology, and the design of collections strategies.

This senior leadership position will be responsible for overseeing credit and collections teams, managing key external partnerships, and ensuring regulatory compliance while driving proactive, data-driven approaches to credit and collections performance.

The successful candidate will be reporting directly to the Chief Financial Officer (CFO).

Key Responsibilities:

  • Define credit risk appetite and decisioning framework across markets, including exception governance, scorecard development, and champion/challenger testing
  • Own the selection, implementation, and management of credit-decisioning platforms and data pipelines, collaborating with Product and Business Intelligence teams
  • Design and implement collection strategies and tools across the full lifecycle, from early delinquency to legal recovery
  • Develop early-warning dashboards and predictive cure models
  • Lead and develop credit and collections teams across countries, setting key KPIs and driving A/B tests on limits and repayment strategies
  • Manage partnerships with credit bureaus, legal and recovery vendors, ensuring SLAs support fast and effective recoveries
  • Ensure compliance with consumer credit, data protection, and AML/KYC regulations, partnering with Legal & Compliance on policies and audits
  • Demonstrate strong credit risk ownership and a proactive, results-driven approach

Requirements:

  • Bachelor's degree in Finance, Economics, Engineering, or related fields; MBA, CFA, FRM, or similar qualifications are a plus
  • 5+ years of experience leading credit-risk and collections functions in automotive leasing, consumer finance, fintech, or retail banking; multi-country scope experience is an advantage
  • Strong proficiency in Excel and analytical skills to quickly understand and solve problems are essential
  • Experience building statistical or machine learning scorecards, affordability models, and champion/challenger testing is highly valued
  • Familiarity with SQL, Python, and BI tools is beneficial
  • Hands-on experience with decision engines and collections suites is required
  • Strong understanding of European consumer credit and data privacy rules, with the ability to turn legal requirements into practical processes
  • Proven leadership in building and coaching diverse, high-performing teams, with a strong data-driven approach
  • Excellent command of English, both written and verbal, is mandatory; knowledge of other languages such as Romanian or Greek is advantageous

Benefits:

  • Stock Option Plan
  • Group Health Insurance Program
  • Daily exposure to top-notch technologies, practices, and methodologies
  • Professional development plan & specialization in a high-demand market
  • Unlimited support to achieve personal aspirations
  • Values-based, fun, and fast-paced work environment


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