Head of Risk and Problem Asset Management

About Us:

"Volta" is the largest online mall, successfully operating in Georgia since 2020. The company offers customers a unique e-commerce service, specifically product purchase with internal online installments, 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 the risk and underwriting management section:

• Develop, develop and effectively manage the company's risk system and strategy;
• Develop, implement and constantly optimize the 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;
• Identify trends in the risk direction, predict possible risks and plan and implement preventive measures;
• Final assessment and decision-making on high-risk, high-value and non-standard applications;
• Lead, develop and motivate the underwriter team; Ensure quality control and performance evaluation system;
• Ensure uniform standards and high quality in underwriting processes and form a high-performance culture;
• Close cooperation with sales and finance teams to improve the efficiency of risk management and underwriting processes;
• Initiate and develop automation of underwriting processes and digital tools;
• Make data-driven decisions and continuously improve risk management processes;
• Prepare regular reports to management on risks, portfolio quality and underwriting results.

In the problem asset management section:

** Developing, implementing, and updating overdue asset management (Collection & Recovery) strategies;

** Defining and controlling the department's monthly, quarterly, and annual plans (KPI) and performance;

** Monthly portfolio management and systematic distribution/rewriting;

** Constant analysis of the problematic portfolio, identifying 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 responsibilities among team members and monitoring the quality of their work;

** Participation in creating motivation systems (bonus schemes) and increasing team engagement;

Preparing detailed reports for management on portfolio quality, recovery dynamics, and department effectiveness;

** Execution of current projects and tasks defined by the direct supervisor.

Qualification 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 - with both internal teams and external stakeholders, including partners, brokers, and audit representatives;

** Experience in process optimization, automation, and implementation of digital tools;

** High level of responsibility, result-orientedness, and strategic vision.

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

By submitting your application (resume) for this vacancy, you confirm that you agree to LLC "Volta" processing your personal data (including special category data) for the purpose of making a decision to establish a contractual, including employment, relationship. Candidate's personal data will be stored for no more than 12 (twelve) months.

Also, your submitted resume may not be considered for this vacancy, based on vacancy requirements, or may be transferred to a reserve for another relevant vacancy. If you agree to the above, please send us your resume.