About the position: The CRO will be responsible for Kueski’s whole businesses. This includes managing the whole part of the process of our lending products and Kueski Pay, including strategy, business activities related, managing the business teams, etc.
Duties and Responsibilities:
Create long and short-term vision & strategy to grow the business and ensure they are aligned with the Executive team and overall company goals.
Oversee daily operations of the organization.
Coordinate the development of key performance goals for functions and direct reports.
Manage and develop a high performing cross functional organization that is aligned with the goals of the business
Achieve P&L objectives (Financial & Growth) and ensure the necessary resources are in place to achieve goals
Drive execution and results based on multiple factors including client expectations, consumer perception, resources, market conditions, other company priorities
Align credit strategy to ensure achievement of the business objectives.
Design, implement and control a business plan and marketing and placement of our financial products.
Monitor and analyse portfolio growth, sales, service, credit quality, ROI, MFI and expense results fo.
Support improvement and monitor relevant customer service / customer satisfaction results for the portfolio.
Monitor the performance of models used and ensure they remain appropriate and enable the portfolio to remain in line with approved risk appetite limits.
Oversee the execution of all credit activities.
Knowledge and Personal Skills:
Bachelor of Finance, Business, Engineering or related disciplines.
Minimum experience of 3 years in credit management in banking, lending or financial institutions (Fintech desirable)
Managerial experience in a strategic role.
Great experience in credit analysis (configuration and implementation)
Work experience in a complex and changing environment
Analytical skills – ability to develop solutions and courses of action and recommend solutions by using an information base to identify key issues, compare with other data and determine cause-effect relationships.
Change Management – ability to recognise, understand and support need for change and anticipate the impact on both the team and self. Commercial Acumen – ability to recognise and implement business strategies to drive profitable growth, customer acquisition, customer experience and sales productivity.
Communication Skills – ability to convey and explain information, coherently and confidently both oral and written.
Credit skills – understanding and application of risk analysis, cash flow analysis, portfolio management, evaluation and analysis of profit projections, property valuation, credit mediation, security requirements and credit checking.
Negotiation skills – exploring opportunities with a view to mutual benefit and acceptance.
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