Head of Risk Portfolio Management

NOVACARD

full-time

Posted on: 12/12/2025

Location Type: Remote

Location: Remote • 🇷🇸 Serbia

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Lead

About the role

Define and manage the credit card origination strategy.
Set and monitor credit limits, ensuring portfolio quality and growth.
Lead and develop a team of analysts and data scientists.
Monitor and predict key portfolio metrics: risk costs, vintage NPL, CoR, Roll Rate.
Drive budgeting and forecasting (CoR, provisions, unit economics).
Collaborate with cross-functional teams to align risk strategy with business objectives.

English level — B2 (Upper-Intermediate): confident reading of technical documentation, professional correspondence, and participation in meetings and discussions in English.
Degree from a top university in Mathematics, Economics, Physics, or a related analytical field.
5+ years of experience in retail banking or fintech in credit card risk management.
Proven experience in leading and developing data teams.
Strong understanding of risk metrics (vintages, NPL, CoR, roll rates) with ability to forecast and manage them.
Knowledge of credit card economics, including P&L and unit economics.
Experience applying machine learning principles to approval and limit management processes.

Benefits

Fully remote work format.
Official employment under the Russian Labor Code (for residents of Russia); contractor collaboration available for candidates from other countries.
Potential option for relocation support to Mexico after successfully completing the probationary period (3 months) — negotiable.
Opportunity to work in an international team on a new digital product for the Mexican market.
A data-driven environment where your contributions have a real impact.

Tip: use these terms in your resume and cover letter to boost ATS matches.

credit card origination strategyrisk metricsvintage NPLCoRRoll Ratebudgetingforecastingmachine learningcredit card economicsP&L

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