Chief Risk Officer (CRO)
Hybrid (New York, NY)$100k - $200kFull-timePosted 11mo ago
About the role
Lead risk management strategy at Ramani, leveraging data science, machine learning, and AI to safeguard the digital lending platform and ensure sustainable growth.
Responsibilities
- Develop an enterprise-wide risk management strategy for digital lending, using data-driven insights to balance growth and stability.
- Design AI- and ML-powered frameworks to identify, assess, and mitigate credit, operational, and market risks.
- Advise the CEO and Board on risk appetite, backed by predictive analytics and scenario modeling.
- Build and deploy machine learning models to evaluate credit risk, predict defaults, and assess loan performance in real-time.
- Conduct stress testing, Monte Carlo simulations, and actuarial analysis to forecast portfolio risks under varying conditions.
- Use data science techniques to analyze macroeconomic trends, customer behavior, and repayment patterns across African markets.
- Oversee the lending portfolio’s health, applying AI-driven insights to optimize risk-adjusted returns and reduce non-performing loans (NPLs).
- Implement data-driven diversification strategies to minimize concentration risk and enhance portfolio resilience.
- Partner with tech teams to integrate ML algorithms into credit scoring, underwriting, and collections for improved efficiency.
- Ensure compliance with U.S. and international standards (AML, KYC, GDPR) and Tanzanian regulations, using automated monitoring tools.
- Leverage data analysis to strengthen internal controls against fraud, operational errors, and cybersecurity threats.
- Serve as the key point of contact for regulators, auditors, and investors on risk analytics and reporting.
- Lead a team of data scientists, actuaries, and risk analysts, fostering a culture of innovation and analytical excellence.
- Set KPIs for portfolio performance, model accuracy, and risk exposure, tracked through analytics dashboards.
- Collaborate with engineering and product teams to embed AI and ML solutions into lending operations and risk processes.
Qualifications
- Advanced degree (Master’s or PhD preferred) in Data Science, Computer Science, Actuarial Science, Statistics, Mathematics, or related field.
- Minimum of 5 years of experience in risk management, data science, or analytics, with at least 3 years in a senior leadership role within fintech, financial services, or a tech-driven industry.
- Proven expertise in machine learning, AI, and data analysis, with hands-on experience building predictive models (e.g., using Python, R, TensorFlow).
- Strong background in credit risk modeling, portfolio management, or actuarial analysis, ideally in digital lending or emerging markets.
- Familiarity with big data tools (Hadoop, Spark) and cloud platforms (AWS, GCP).
Skills
Required:Data ScienceMachine Learning & AICredit Risk ModelingRegulatory Compliance (AML, KYC, GDPR)
Benefits
- Equity options
- Health insurance
- Performance-based bonuses
- Professional development opportunities
Last updated Mar 31, 2026. Interested? Apply on the company site.
About Ramani
We're building financial infrastructure for Africa's supply chains
An app for salespeople to track inventory, register their customers and record their sales transactions. Cofounders: African. Ex-Salesforce PM, Stanford CS, Capgemini
saas
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