About the company:

Ouro is dedicated to delivering financial empowerment to millions of Americans, leveraging a proprietary payments technology platform that fuels its fintech product innovations. From prepaid, credit and debit account solutions, to digital account and money movement services, Ouro has a broad suite of products and technologies that deliver exceptional experiences for its customers and business partners across co-branded, white label and banking-as-a service verticals. Since its founding in 1999, Ouro products have helped millions of consumers nationwide, and processed tens of billions of dollars.

Present day: Legendary Austin fintech Ouro has opened a new chapter in its role as market maker with the return of its visionary founders Roy and Bertrand Sosa. The combined company meshes Ouro’s customer and partner portfolios, payments platform and innovations with the international footprint and money movement capabilities of Rêv Worldwide, the company the Sosas founded after Ouro. The reunion creates a revitalized financial services innovator on a mission to reimagine financial services for consumers around the world and to redefine the industry once again.

Ouro fosters a high-performance culture and we are building a unified platform and product suite capable of bringing financial mobility and freedom to consumers around the world despite differences in language, currency, culture, and geography.

Responsibilities:

• Provide oversight and challenge to the first line of defense for Risk Management functions, including fraud management, disputes processing, underwriting, portfolio management, and other risk mitigation strategies.

• Build and implement a framework that detects when execution of business rules in the platform is not matching intent to mitigate exposure and ensure operations 

• Collaborate across Operations functions to ensure alignment of secured lending risk management with overall risk management strategy

• Stay abreast of industry trends, regulatory developments, and best practices in secured lending and credit risk management

• Provide guidance and support to junior team members and stakeholders on secured lending risk management matters

• Win across data-driven insights, domain expertise, holistic view on risks, and participate in effective challenge of 1LOD Credit - implementing and managing governance frameworks across the various product lines - PL, SL, Cards, and Secured Lending

• Ensure emerging risks are identified and highlighted to senior management. Prepares executive summaries, periodic reports, and presentations summarizing findings and recommendations to senior leadership.

• Recommends policy and procedural changes to correct deficiencies identified by the monitoring framework. 

• Work with Operations leaders to identify gaps in system/operations process flows ensuring alignment of strategy/intent, execution, policies, state legalities, and regulatory guidelines.

Requirements:

• Bachelor's degree in Finance, Economics, Business Administration, or related field; Master's degree preferred

• 7-10 years of experience in credit risk management, with a focus on secured lending

• Strong knowledge of payments and lending products 

• Excellent analytical, problem-solving, and decision-making skills

• Strong communication and interpersonal skills, with the ability to interact effectively with stakeholders at all levels