Credit Risk Manager – Digital SME Lending, Credit Cards

Job not on LinkedIn

🔥 29 minutes ago

🌐 Spain, Poland, +1 more countries – Remote

🇪🇸 Spain – Remote 🇵🇱 Poland – Remote 🇳🇱 Netherlands – Remote

⏰ Full Time

🟡 Mid-level

🟠 Senior

👔 Manager

👻 Ghost score 16%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Finom

WebsiteLinkedInAll Job Openings

501 - 1000 employees

Founded 2019

💳 Fintech

💸 Finance

🤝 B2B

Fintech • Finance • B2B

Finom is a fintech company offering comprehensive financial services for SMEs, freelancers, and companies. The platform provides tools for invoicing, expense management, and easy online account opening with added benefits like cashback and international IBAN accounts. Finom ensures data security through partnerships with banks like SolarisBank and Treezor, making it a fast and reliable service for business financial management.

📋 Description

• Build and lead the credit risk framework for SME credit cards and overdraft products • Oversee and improve Finom’s credit risk engine, including its framework, guidance, analytics, and technical setup • Own and develop the end-to-end credit risk framework covering eligibility, underwriting, scoring models, limit setting, risk appetite, monitoring, and reporting • Partner with Product and Engineering to embed risk into product design and strategy • Architect the data strategy using transactional, bureau, behavioural, accounting, government registry, and first-party data • Guide the ML and Data Science team in building, validating, and iterating credit scoring and related risk models • Build and own the portfolio monitoring stack • Design, build, and calibrate early-warning indicators and credit monitoring systems • Act as a strong Second Line of Defense, ensuring robust origination, monitoring, and collections processes • Own and continuously improve credit risk policies, risk appetite frameworks, and reporting • Ensure alignment with EMI/PS4 regulatory requirements and evolving European standards • Collaborate with Product, ML & Data Science, Operations, and Engineering, with direct exposure to the CRO

🎯 Requirements

• 5+ years of experience in credit risk, with hands-on expertise in SME lending and credit cards • Strong experience with automated underwriting and risk models in fintech or digital banking environments • STEM/quantitative degree in physics, data science, applied mathematics, statistics, econometrics, or quantitative finance is a strong plus • Solid understanding of risk governance, policies, and processes • Comfortable leveraging AI tools and agents to enhance productivity and decision-making • Unit-economics/product-led-growth mindset • Ability to align diverse stakeholders across Product, Legal, Finance, Engineering, and ML/DS • Understanding of EMI/PS4 regulation and related reporting requirements is nice to have • Familiarity with European regulatory frameworks (DNB, ECB/EBA, Basel) is nice to have • Hands-on experience with SME or credit card models in Germany, Italy, or the Netherlands is nice to have

🏖️ Benefits

• Continuous personal and professional development opportunities • Flexibility to travel and work remotely or in a hybrid model across Europe • Stock Options Program available to every team member • Modern, friendly, and eco-conscious corporate culture • Constant support and care • Work & Swim Program: one month in a corporate apartment in Cyprus