OTO Capital - Head - Risk

Key Responsibilities:

- Develop and implement credit policies and procedures that align with the company's overall business strategy and goals

- Manage the credit underwriting process, including reviewing and analysing credit applications, and making recommendations on credit decisions

- Monitor and manage credit risk for the lending portfolio, including developing risk mitigation strategies
and reporting on credit quality

- Collaborate with other teams such as product, marketing, and operations to ensure that credit policies and procedures are aligned with the company's overall business objectives

- Develop and maintain relationships with external partners such as credit bureaus and other third-party service providers

- Monitor and report on the performance of the company's loan portfolio, including delinquencies and charge-offs

- Lead, coach and mentor the credit team to develop their skills and capabilities

- Stay up-to-date with changes in the regulatory environment and ensure that the company's credit operations remain compliant