Compliance Manager

Who we are:

At Qiro, we are a dynamic team united by a mission to foster a fair, transparent, and decentralized global lending market. Our focus lies in developing an institutional private credit protocol that seamlessly connects on-chain stablecoin lenders with off-chain fintech borrowers.

What are we looking for:

We are seeking a highly skilled and experienced Head of Credit to lead our credit department and drive our lending strategies. As the Head of Credit, you will be responsible for overseeing all aspects of credit risk management, ensuring that our lending practices align with regulatory requirements and industry best practices while maximizing profitability.

Responsibilities:

• Head the Risk Policy, Credit Underwriting and Collection functions of corporate card, credit line, and working capital loans.
• Facilitate the development and constant update of risk policies and related frameworks.
• Proactive risk assessment of existing portfolio on regular basis identifying weak accounts.
• Constantly monitor and evaluate Early Warning Signals and deploy/ amend the limits structure for managing the risk concentration across a broad range of parameters.

Requirements:

• 5-7 years of experience in the Banking/NBFC/Fintech space with at least 3-4 years of experience at management level.
• In depth knowledge of Web debt fund, Structured debt, corporate financing and lending. 
• Strong understanding of regulatory requirements and compliance issues related to lending operations.
• Exceptional skills in understanding data, trend analysis, score cards and behavior scores is must

Nice to have:

• Excellent communication skills along with strong presentation and data analytics skills
• Professional certifications such as CFA, FRM, or similar credentials are a plus.

Benefits:

• Competitive salary and performance-based bonuses.
• Flexible remote work.
• Flexible working hours.
• Opportunities for professional development and career growth within a dynamic fintech company.

What you need to have:

JOB DESCRIPTION: The Fraud Lead will manage the gameplay fraud for all poker products and work closely with the payments team to create smooth players and gameplay investigations with the outcome being a low level of fraud across the business. You will liaise directly with network partners via multiple communication channels, to assist with fraud issues via providing fast, accurate and thorough responses to numerous contacts per shift. You will be responsible for building and maintaining Gaming Integrity controls related to issues such as collusion, bots/live assistance use, money dumping and more.

Your key job responsibilities as the Fraud Lead in Pocket52 will include:

• Day to day gameplay fraud analysis to identify and prevent fraud in poker
• Ensuring that all team members follow the fraud procedures
• Constant assessment of the fraud process and constant improvement to the processes
• The role involves utilizing a number of detection and investigation techniques in-order to identify high risk accounts, unusual activity, investigates and subsequently close suspicious accounts. 
• You will be proactively investigating and reviewing the player pool for suspicious activity and building cases that result in removing any players who are a threat to the integrity of the games on the Pocket network
• Review customer transactions and gameplay to prevent fraudulent actions.
• Discover new techniques in fraud prevention and customer service using various software and applications
• Monitoring for poker rooms
• Working with the product managers and marketing team to ensure promotions cannot be abused by players

To apply for the Fraud Lead in Pocket52 you will need:

• 3+ years previous experience in managing fraud for online games
• Experience playing online poker and knowledge of the online poker games products, promotion types and customers
• Knowledge of all fraud tools and ability to access products for purpose
• Ability to query and analyse behavioural data in order to identify patterns of fraud
• Ability to manage a heavy workload, prioritising and managing the pressure that comes with managing a critical product vertical
• Technically aware, comfortable working with multiple IT systems, databases and programs
• Solid understanding of game theory optimal (GTO) poker solutions
• Conduct OSINT checks in poker fraud investigations.

The role of a Personal Loan Risk Head is to own, manage and communicate risk policies and processes. He/She shall provide hands-on development of risk models involving market, credit and operational risk, assure controls are operating effectively, and provide research and analytical support. Prospective candidates must have excellent quantitative and analytical skills, along with the ability to apply those skills across a variety of business processes.

Key Expectations

• Designing and implementing an overall risk management process for the Personal Loan portfolio, which includes an analysis of the financial impact on the company when risks occur
• Performing a risk assessment: Analyzing current risks and identifying potential risks that are affecting the company
• Own the portfolio risk metrics - Loss forecasting, Stress testing, Credit Risk, Liquidity risk, Collections performance & strategy & overall ROA by segment.
• Monitor portfolio risk from granular dimensions and constantly implement strategies to maintain risk metrics within specific ranges.
• Monitor various operational metrics and develop alerting mechanisms to maintain process efficiency
• Designing and implementing strategies for Underwriting, Account Management, Portfolio Monitoring and Collections
• Develop risk based credit policies and pricing grids to maximize approvals within specific segments of risk
• Work with data science team which will develop algorithms and scorecards and drive decision models across various business segments.
• Partner with Engineering team to implement policies and scorecards.
• Supervise creation of time-sensitive analytics, visualisations, and complicated, high-visibility reports for Risk and Business management to use in portfolio monitoring and strategic decision-making.

Competencies -

• Have strong business understanding of the retail lending business in India and understanding of the regulatory landscape
• Should have hands-on experience working as data analyst or data scientist or statistical modeler in retail space, preferably in financial services or ecommerce.
• Strong experience in establishing and managing high-performing teams with a collaborative leadership approach.
• Outstanding communication skills, both verbal and written