Chief Risk Officer

CTB1LLC, a boutique talent and placement company; Dubai; On-site; AED 520,000 - 900,000; Full time

Job summary

CTB1 is partnering with a fintech to transform access to financial services in emerging markets. We seek a Chief Risk Officer to build and scale credit risk infrastructure, leveraging alternative data to serve customers with limited or no traditional credit history.

This is a hands-on, strategic leadership role to develop risk strategies, oversee analytics, fraud and collections, and lead cross-functional teams while expanding unsecured lending globally.

Qualifications

• 10+ years of credit risk experience in fintech, digital lending, or neobanking.
• Proven experience building unsecured credit products in emerging markets or low-data environments.
• Deep expertise in alternative-data underwriting, credit decisioning, and portfolio management.
• Strong technical foundation with commercial judgment and hands-on leadership.

Responsibilities

• Develop credit risk strategies, underwriting policies, and decisioning frameworks across products and markets.
• Build and scale unsecured lending products using alternative data and risk-based pricing.
• Own portfolio performance, risk analytics, collections, and regulatory risk management.
• Build and lead credit risk, data science, fraud, and collections teams.
• Partner with executives to balance credit performance, profitability, and growth.

Skills

Credit risk

Leadership

Data science

Alternative data

Regulatory risk

Job description

CTB1 is partnering with a profitable, venture-backed fintech transforming access to financial services for underserved consumers and small businesses across emerging markets.

Backed by leading global investors, the company has scaled to 2M+ customers, 25K+ businesses, and $100M+ in annual revenue. Its growing financial services platform spans consumer lending, SME financing, payments, and banking.

As the business expands into unsecured lending, it's seeking a Chief Risk Officer to build and scale its credit risk infrastructure, leveraging proprietary transaction data to serve customers with limited or no traditional credit history.

The Opportunity

This is a hands-on, strategic leadership role for someone who has successfully built and scaled credit products in emerging markets or low-data environments.

Key Responsibilities:

• Develop credit risk strategies, underwriting policies, and decisioning frameworks across multiple products and markets.
• Build and scale unsecured lending products using alternative data, credit scoring, and risk-based pricing.
• Own portfolio performance, risk analytics, collections, and regulatory risk management.
• Build and lead credit risk, data science, fraud, and collections teams.
• Partner with executive leadership to balance credit performance, profitability, and growth.

Ideal Candidate Profile

• 10+ years of credit risk experience, ideally within fintech, digital lending, or neobanking.
• Proven experience building and scaling unsecured credit products in emerging markets or low-data environments.
• Deep expertise in alternative-data underwriting, credit decisioning, and portfolio management.
• Strong technical foundation combined with commercial judgment and an entrepreneurial, hands-on approach.
• Experience building teams and risk infrastructure in high-growth environments.
• Experience operating within regulated financial institutions preferred.

Location

UAE Preferred | Flexible Location with International Travel

*Current CRO title is not required. We're equally interested in strong Heads of Credit Risk, Heads of Decision Science, or senior risk leaders ready to step into a broader executive role.