HeyBlu is a Romanian e-money licensed fintech company that aims to provide financial services to customers and merchants operating in e-commerce and digital space. Our vision is to become a reliable partner in everyday shopping experience of the customers extending their purchasing power in easy and convinient way and helping e-commerce merchants to grow their business by building a diversified financing proposition for retail and SME clients.

Being a part of eMAG Group, the largest e-commerce group in Romania, HeyBlu is focusing on building financial offering for customers and merchants operating withing eMAG ecosystem by implementing “embedded finance” concept. As part of the Prosus group, we share the same purpose: „Improving everyday life for billions of people through technology”. In HeyBlu Team we build entrepreneurial, results-driven, agile, and collaborative culture based on our core values that we share accross the group: ownership, accountability, innovation, adaptability and customer focus.

What you’ll have to do:

• Oversight of credit risk assessment process, and associated processes;
• Develop and maintain credit risk management procedures;
• Ensure periodic reporting to leadership and committees on credit risk;
• Develop risk reporting (Reshift SQL, QuickSight);
• Develop and optimize credit decision logic;
• Identify potential risk management opportunities through data mining;
• Participate in the development of PD models;
• Participate in and coordinate underwriting strategy tests & deployments;
• Monitor operational risk in coordinated processes;
• Drive root cause analysis of incidents and be authoritative in holding process owners accountable for incident resolution.

How we’d like you to be:

• With experience in credit risk management role (retail lending) in financial institution;
• With prior experience and skills in manipulating data using SQL, Quicksight, R, SAS or similar tools;
• With good command of English;
• With the ability to communicate effectively, both written and verbal, both with business and technical teams;
• With attention to details and accuracy;
• With track record of setting up and running retail lending processes (considered a plus);
• With knowledge of lending regulations (i.e. NBR Regulation 17) (considered a plus).

Curious to find out more about the next step in your career? Apply now and if your experience is relevant for the role you wish, we will give you a call for more details!

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