Head of Problem Asset and Risk Management

About Us:

"Volta" is the largest online mall operating successfully in Georgia since 2020. The company offers customers a unique e-commerce service, specifically the purchase of products 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). Working hours: Monday - Friday, 10:00-18:00; Remuneration: To be agreed.

Key responsibilities:

In the risk and underwriting management section:

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 efficiency 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 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 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;

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

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

Requirements:

** At least 5 years of experience in underwriting, risk management, credit risk or related fields 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 responsibility, result-oriented 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 that LLC "Volta" will process your personal data (including special category data) for the purpose of making a decision to establish a contractual, including employment, relationship. The 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 the vacancy requirements, or may be transferred to a reserve for another relevant vacancy. If you agree to the above, please send us your resume.