The Role
Calculate and monitor Expected Credit Losses (ECL) per IFRS 9/US GAAP, develop and validate PD/LGD/EAD models, perform back-testing, stress testing and portfolio analysis, prepare risk and impairment reports, support audits, automate reporting processes, and collaborate with finance, risk, analytics, and regulatory teams.
Summary Generated by Built In
We are looking for a hands-on Risks Ops to own and evolve our core Decision-Making System (DMS) and credit processing engine. In this role, you will bridge the gap between risk management, and core engineering, leading a focused team of developers to design, build, and optimize high-throughput, low-latency decisioning engines.
You will play a pivotal role in streamlining time-to-market for credit strategy changes, integrating advanced ML scoring models, and replacing legacy software with modern, scalable, in-house microservices architecture.
Key Responsibilities
- Technical Leadership & Ownership: Take full ownership of the end-to-end Decision-Making System (DMS) lifecycle, including system architecture, deployment pipelines, production monitoring, continuous code cleanup, and performance optimization.
- Cross-Functional Collaboration: Partner closely with Risk Analysts and Data Scientists to translate complex business logic, risk rules, and ML scoring models (application, behavioral, fraud) into production-ready software.
- Team Leadership & Delivery: Implement core logic of DMS system to suit the needs of InDrive's lending vertical. Code reviews, release management, and performance evaluations while fostering an efficient, agile environment.
- Process Optimization: Reduce time-to-market for credit strategy updates by modernizing delivery workflows, introducing automated regression/retrospective testing, and eliminating dependencies on legacy release cycles.
- Architecture & System Integration: Drive the evolution of our high-volume microservices ecosystem (Golang, AWS). Integrate internal and external services (credit bureaus, collection platforms, fraud detection services) via REST APIs and event-driven pipelines.
Skills, Knowledge and Expertise
- Fintech & Credit Decisioning Expertise: 7+ years of total backend engineering experience, with deep domain expertise in financial technology, credit conveyors, loan processing, debt collection systems, or automated decisioning engines.
- Risk-Ops experience: be familiar with any popular decision-engine (gorules, n8n, camunda, SAS RTDM, FICO Blaze Advisor etc…)
- Stack: Strong expertise in Golang / Python, and build tools (Gitlab CI), AWS-related experience will be a huge plus.
- Data Management: Proficiency with relational and non-relational databases (MySQL, AuroraDB, DynamoDB, GBQ).
- DevOps, CI/CD & Observability: Hands-on experience with modern CI/CD tools (GitLab CI, GitHub Actions), containerization (Docker), and system monitoring tools (Prometheus, Grafana).
Why join us
- Help us challenge injustice by creating fair choices for millions of people across 47 countries.
- Develop your professional skills with access to mentoring, career consulting, and learning programs.
- Collaborate with teams around the world and gain international experience through our Global Talent Exchange Program.
- Engage in company-wide challenges, awards, sports activities, employee-led social impact and volunteering projects.
- Work alongside people who take initiative, speak openly, and challenge themselves to grow.
- Improve your language skills through co-financed courses and internal speaking clubs.
- Annual salary from 75 600 EUR gross.
Final benefits may vary depending on the location.
About
inDrive is a global tech company on a mission to challenge injustice through fair choices. We started in 2012 in the coldest city on Earth, when a group of friends created a way for people to agree on fair ride prices. That idea grew into one of the world’s top ride-hailing apps, now with 400M installs across 47 countries.Today, we offer more than rides: from freight and delivery to intercity travel and financial services, all designed to put people first. We are committed to having a positive impact on people’s lives both through our core business, which supports local communities via a fair pricing model; and through the work of our impact programs. Ready to ignite your inner drive?
Skills Required
- 2+ years of experience in credit risk, IFRS 9, risk analytics, or financial risk management
- Strong understanding of IFRS 9 impairment methodology and ECL calculation principles
- Experience with PD, LGD, and EAD modeling approaches
- Understanding of model validation, stress testing, and back-testing techniques
- Strong analytical and quantitative skills
- Advanced SQL skills and practical experience with Python, SAS, R, or similar analytical tools
- Experience working with large datasets and financial reporting processes
- Knowledge of banking products and credit risk metrics
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The Company
What We Do
inDrive is a global IT and transportation platform inDrive is one of the world’s fastest growing online ride-hailing services. Its services are available in over 749 cities in 46 countries throughout the world. The Company’s app has been downloaded over 150 million times. inDrive offers other services, including intercity transportation, freight and cargo services, as well as delivery services in different markets of operations. inDrive is based in Mountain View, California, and operates regional hubs in the Americas, Asia, the Middle East, Africa and the countries of the CIS, and employs over 2,000 people. In early 2021, inDrive achieved unicorn status after closing a $140m investment round with Insight Partners, General Catalyst, and Bond Capital, which valued the company at $1.23 billion.
