FD FINMAK DOO is a leading fintech company in the region, providing a scope of financial services, including short term and personal loans. Based on the proven experience and achievements in the industry with headquarters in Skopje the company aims to offer microfinance services to private individuals with the simplest, quickest and most convenient borrowing process for the customer.

We are looking forward to meeting our future colleague, and we truly believe that you will be a very valuable team member who will bring new professional competencies to our company. Join us as: 

Risk Officer

As Risk Officer you will be responsible for identifying, assessing, and mitigating potential risks that could impact the organization’s operations, reputation, or financial performance. This role involves close collaboration with various departments to ensure compliance with internal policies and regulatory requirements.:

·Establish and maintain a comprehensive risk management framework and corporate risk governance structure through policies and procedures aligned with the company’s business strategy, with a clear goal and vision to mitigate all relevant risks the company is exposed to.

·Establish and perform a routine monitoring process with a clear reporting structure and workflow to evaluate credit, operational, and other relevant risks, ensuring legal and regulatory compliance.

·Establish a system and a workflow to identify and protect from potential risks that may impact on the company’s reputation, security, stability, and financial prosperity.

·Active participation in the development of the company’s risk strategy.

·Manage and oversee the loan portfolio to understand and evaluate portfolio quality with aim to propose initiatives and actions for quality improvements.

·Analyze the loan portfolio and client’s behavior based on predefined parameters using SQL and advanced Excel tools.

·Establish, perform and monitor risk controls to ensure compliance with regulatory requirements and the general risk strategy of the company.

·Supervise and manage the risk management team.

·Coordinate with other departments to identify and manage risks across the entire organization.

·Monitors and evaluates the effectiveness of the risk management processes and make necessary improvements.

·Monitor market trends and external factors (economic, regulatory, geopolitical) that may introduce new risks or affect the company's risk profile.

·Propose and implement innovative tools and technologies for risk management, including automation and digital solutions.

·Prepare and present risk related reports to the Risk committee.

·Provide training programs and raise awareness among employees on risk management practices.

Qualifications and Experience:

• Bachelor’s degree in finance, economics, law, or a related field
• Experience in risk management or portfolio management
• Strong analytical and problem-solving skills
• Communication and interpersonal abilities
• Proficient with risk management software and tools (advanced knowledge and usage of SQL and Excel tools)

The Company will provide: 

• Competitive salary;
• Bi-annual bonus;
• Private health insurance
• Opportunities for further development,
• The chance to get international business experience;
• Top of the line technology for professional usage;
• Modern facilities;
• Part of the Management team.

Are you someone who sees what could go wrong before it happens? We’re looking for a Risk Officer who’s sharp, organized, and two steps ahead, please send your CV in English using the Apply option.

The selection will be made in accordance with the conditions and deadlines in the Law on Labour Relations. FD FINMAK DOO reserves the right not to select any candidate.

Upon application, the candidate agrees that his / her personal data listed in the CV and cover letter should be stored in the database and processed by FD FINMAK DOO within 1 year from the date of expiration of the selection deadline. The candidate has the right at any time to withdraw the given consent for storage and processing of his personal data in accordance with the Law on Personal Data Protection.

The company is committed to creating a diverse environment and is proud to be an equal opportunity employer.

Please note that only selected candidates will be further contacted for interview.