Senior Risk Manager

Role Overview

As a Senior Risk Manager, you will play a pivotal role in shaping GIMO’s risk strategy,
ensuring robust credit policies, and optimizing risk-reward trade-offs. You will lead the
development of risk assessment models, monitor portfolio performance, and implement
best practices to mitigate credit risks while supporting business growth. This is an exciting
opportunity to work in a dynamic fintech environment where innovation meets risk
intelligence.

Key Responsibilities

• Strategy & Policy Development: Design, implement, and continuously refine credit
  risk policies, frameworks, and underwriting strategies to support business
  objectives.
• Risk Assessment & Decisioning: Develop, enhance, and maintain credit scoring
  models, risk rating methodologies, and lending decision frameworks.
• Portfolio Monitoring & Risk Analytics: Monitor and analyze portfolio performance,
  identify emerging risks, and recommend corrective actions to maintain a healthy
  credit portfolio.
• Regulatory Compliance: Ensure adherence to all regulatory requirements related to
  credit risk management, including local and international financial regulations.
• Data-Driven Risk Insights: Leverage advanced analytics, AI, and alternative data
  sources to enhance credit decision-making and improve risk management practices
• Fraud Prevention & Detection: Implement fraud detection tools and frameworks to
  proactively identify and mitigate potential fraud risks.
• Risk Governance & Reporting: Develop and maintain risk governance processes,
  provide regular risk reporting to senior management, and recommend actionable
  insights.
• Stakeholder Management: Collaborate closely with Product, Data Science,
  Operations, and Business teams to align risk strategies with overall company goals.
  Act as a strategic advisor to the executive team and board, providing insights into
  emerging risks and mitigation approaches.

Key Qualifications

• Education: Bachelor’s degree in Finance, Economics, Mathematics, Statistics, or a
  related field (Master’s degree is a plus).
• Experience: 7+ years of experience in risk management, credit risk management,
  preferably in digital lending, fintech or banking services.
• Technical Skills: Strong expertise in credit scoring, risk modeling, and portfolio
  management. Proficiency in data analytics tools such as SQL, Python, R, or SAS is
  highly desirable.
• Domain Expertise: Deep understanding of credit risk management, digital lending
  practices and lending products.
• Mindset: Ability to analyze large datasets, derive meaningful insights, and make
  data-driven decisions. Strong commercial awareness to balance risk and business
  growth objectives effectively in a fast-paced dynamic and lean working environment.
• Leadership & Communication: Proven ability to lead teams, influence cross
  functional stakeholders, and communicate complex risk concepts clearly to non
  technical audiences.

Why Join GIMO?

• Impact-Driven Work: Be part of a mission-driven fintech company that is
  transforming financial access for millions of Vietnamese underserved.
• Growth Opportunities: Work in a fast-growth environment that values growth,
  autonomy, accountability and empowering individuals to take initiative and make
  decisions.
• Innovative Culture: Join the team that embraces innovation, data, technology to
  drive solutions. Be part of the company that encourages experimentation,
  collaboration and drive to challenge the status quo.
• Competitive Compensation: Attractive salary package, performance-based bonus,
  complementary PTI health benefits and potential equity participation.

If you are passionate about leveraging data and technology to drive sound risk
management while enabling financial inclusion, we’d love to hear from you!