Chief Risk Officer
CTB1 is partnering with a profitable, venture-backed fintech transforming access to financial services for underserved consumers and small businesses across emerging markets.
Backed by leading global investors, the company has scaled to 2M+ customers, 25K+ businesses, and $100M+ in annual revenue. Its growing financial services platform spans consumer lending, SME financing, payments, and banking.
As the business expands into unsecured lending, it's seeking a Chief Risk Officer to build and scale its credit risk infrastructure, leveraging proprietary transaction data to serve customers with limited or no traditional credit history.
The Opportunity
This is a hands-on, strategic leadership role for someone who has successfully built and scaled credit products in emerging markets or low-data environments.
Key Responsibilities:
- Develop credit risk strategies, underwriting policies, and decisioning frameworks across multiple products and markets.
- Build and scale unsecured lending products using alternative data, credit scoring, and risk-based pricing.
- Own portfolio performance, risk analytics, collections, and regulatory risk management.
- Build and lead credit risk, data science, fraud, and collections teams.
- Partner with executive leadership to balance credit performance, profitability, and growth.
Ideal Candidate Profile
- 10+ years of credit risk experience, ideally within fintech, digital lending, or neobanking.
- Proven experience building and scaling unsecured credit products in emerging markets or low-data environments.
- Deep expertise in alternative-data underwriting, credit decisioning, and portfolio management.
- Strong technical foundation combined with commercial judgment and an entrepreneurial, hands-on approach.
- Experience building teams and risk infrastructure in high-growth environments.
- Experience operating within regulated financial institutions preferred.
Location: UAE Preferred | Flexible Location with International Travel
*Current CRO title is not required. We're equally interested in strong Heads of Credit Risk, Heads of Decision Science, or senior risk leaders ready to step into a broader executive role.