TERM: 
Full-time
JOB DESCRIPTION: 
The role of the Risk Manager is to develop and execute the customer risk assessment process for secured/ unsecured products in the region ("Mogo Finance" Region). The incumbent will be responsible for managing the creation, implementation and validation of various risk assessment parts including, but not limited to: onboarding process, customer behavior, limit setup, risk-based pricing. The Risk Manager will conduct interpretative, detailed analysis. He/ she will deploy credit risk rational strategies to ensure the decisions are made within the Mogo finance risk appetite and to adhere to all management requirements and internal guidelines.
RESPONSIBILITIES: 
- Develop, implement and validate credit risk assessment process in Mogo offices of other countries;
- Manage the loan issuance process;
- Manage risk policy;
- Responsible for external data providers;
- Continuously review the risk assessment process;
- Quantify the proposed changes in lending process from local team, HQ or own initiative;
- Provide the inputs to the departments on the process/ data within the Mogo countries;
- Investigate and explain the reasons behind risk KPIs trends;
- Represent countries' risk KPIs to the management;
- Actively participate in the Regional Risk Management improvement initiatives.
REQUIRED QUALIFICATIONS: 
- Bachelor's degree in Mathematics, Finance or Economics;
- At least 5 years of work experience in consumer lending risk management;
- Good knowledge of consumer risk assessment principles;
- Working experience with the following tools: SQL, SAS, R and Python; experience with any other data extraction/ transformation tool is a plus;
- Proficient PC skills, including strong competency in MS Excel and PowerPoint, and a variety of PC-based analytical and reporting software packages;
- Strong analytical and problem-solving skills to interpret data and draw conclusions;
- Excellent knowledge of credit loans and associated risk analysis and management;
- Capacity to perform holistic risk evaluation analyses and present it to the management;
- Excellent knowledge of written and spoken Armenian and English languages.
APPLICATION PROCEDURES: 
Interested candidates are welcome to send their detailed CV with a photo to: **@****.** indicating the position title ("Risk Manager") in the subject line of the email. Only shortlisted candidates will be contacted.
Please clearly mention in your application letter that you learned of this announcement through Career Center and mention the URL of its website - www.careercenter.am. Thanks.
REMUNERATION/ SALARY: 
Competitive
ABOUT COMPANY: 
Mogo UCO LLC is a member of the Mogo AS group. The Company was founded in 2012 and operates in Latvia, Lithuania, Estonia, Georgia, Romania, Bulgaria, Moldova, Poland and Albania. Mogo UCO provides car loans and loans secured by cars. For more information about the Company, please visit:
www.mogo.am.