is seeking a Head of Risk / Chief Risk Officer (CRO) — an expert who will build a risk management framework from scratch for an online factoring business (SME segment), as well as for installment / annuity loan products (retail clients / sole proprietors), ensuring stability, scalability, and compliance with regulatory requirements.RequirementsHigher education (finance, economics, mathematics, or law)Minimum 2 years of experience as a Head of Risk / Senior Risk Manager in a factoring company or in the installment (annuity) lending segmentProven experience in building or transforming a risk function (from scratch or within a new product/project)In-depth understanding of factoring products (with recourse / without recourse, invoice financing, debtor risk)Strong knowledge of annuity loan products (loans with maturities over 12 months)Knowledge of Polish regulatory requirements (including KNF, AML/KYC, PSD2 – considered an advantage)Experience working with:credit riskdebtor (buyer) riskoperational risk and fraud riskHands-on experience in implementing scoring models, risk metrics, and early warning systems (EWS)Experience collaborating with IT / data teams (defining requirements, risk process automation)Strong analytical and leadership skillsProfessional working proficiency in EnglishKey ResponsibilitiesBuild the risk management function from scratch for a new factoring business and annuity loan productDevelop and implement:credit policycustomer and debtor assessment methodologiesrisk appetite framework and limit systemEstablish processes for:underwritingportfolio monitoringmanagement of overdue receivables and non-performing exposuresDevelop scoring models (SME / corporate / debtors)Implement early warning systems (EWS)Define key risk indicators (PD, LGD, concentration, portfolio quality)Build management reporting and risk analytics systemsDesign and implement a credit decision-making system (decision engine), including decision rules, limit logic, approval workflows, and process automationDevelop and implement anti-fraud approaches and control procedures to identify fraud risks related to clients, debtors, and financed invoices / deliveriesRegularly review and enhance risk methodologies, decision-making rules, and limit policies based on portfolio data and monitoring resultsParticipate in product development (in cooperation with business and IT), including:embedded risk control mechanisms (risk checks)automation of decision-making logic Agency < 10 Branża Other Założona 2020 O ESCA Inne oferty pracy Ile zarabia Analyst 12 000 PLN UoP (gross/month) 18 100 PLN JDG (B2B) (net/month) Więcej wynagrodzeń Intel planuje zwo