Head of Risk and Problem Asset Management

"Volta" is the largest online mall, operating successfully in Georgia since 2020. The company offers customers a unique e-commerce service, specifically product purchase with internal online installment, without any banking or bureaucratic procedures.

"Volta" is announcing a vacancy for the position of Head of Risk and Problem Asset Management.

Location: Tbilisi, Giorgi Saakadze II exit (business center Atrium). Work schedule: Monday - Friday, 10:00-18:00; Remuneration: to be agreed.

Main functions and responsibilities

In risk and underwriting management: - Development, development and effective management of the company's risk system and strategy; - Development, implementation and constant optimization of underwriting and risk assessment policy, methodology and risk limit determination strategy; - Systematic analysis and monitoring of the company's portfolio risks, including assessment of portfolio quality, Loss Ratio, default and other key risk indicators; - Identification of existing trends in the risk direction, forecasting of possible risks and planning and implementation of preventive measures; - Final assessment and decision-making on high-risk, high-value and non-standard applications; - Leadership, development and motivation of the underwriters team; ensuring the quality control and performance evaluation system; - Ensuring uniform standards and high quality in underwriting processes and forming a high-performance culture; - Close cooperation with sales and finance teams to improve the effectiveness of risk management and underwriting processes; - Initiation and development of underwriting process automation and digital tool implementation; - Making data-driven decisions and continuous improvement of risk management processes; - Preparation of regular reports on risks, portfolio quality and underwriting results for management.

In problem asset management: - Developing, implementing, and updating strategies for managing overdue assets (Collection & Recovery); - Determining and controlling the fulfillment of the department's monthly, quarterly, and annual plans (KPI); - Monthly management and systematic distribution/rewriting of the portfolio; - Constant analysis of the problematic portfolio, identification of trends, and taking appropriate measures to prevent risks; - Initiating automation and optimization of debt collection processes - Selection, adaptation, training, and professional development of subordinate employees; - Distribution of functions and duties among team members and monitoring the quality of their work; - Participation in the creation of motivational systems (bonus schemes) and increasing team engagement; - Preparation of detailed reports for management on portfolio quality, recovery dynamics, and department effectiveness; - Fulfillment of current projects and tasks defined by the direct supervisor.

Requirements: - At least 5 years of experience in underwriting, risk management, credit risk, or a related field, and problem asset management. - In-depth knowledge of underwriting principles, risk assessment methodologies, and portfolio management; - Strong analytical and critical thinking skills; - Experience in analyzing large amounts of data, financial modeling, and quantitative risk assessment; - Ability to make quick, informed, and responsible decisions in complex and uncertain situations; - Strong leadership and team management skills; - Effective communication and negotiation skills - both with internal teams and external stakeholders, including partners, brokers, and audit representatives; - Experience in process optimization, automation, and implementation of digital tools; - High responsibility, result-oriented, and strategic vision.

Send your resume to and join our professional team, where your knowledge and energy will be truly appreciated!

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