Credit Risk Manager

We’re looking for a Credit Risk Manager / Lead to build and lead the credit risk framework for our SME Credit Cards product. This is a high-impact role with direct exposure to the CRO and close collaboration with Product, ML & Data Science, Operations, and Engineering. You will play a key role in launching a new credit card line of business at Finom — designing the risk foundations from the ground up and shaping the future of SME lending in Europe.

What You Will Be Doing

• Oversee, build, improve Finom’s Credit Risk engine so it could be proudly recognised as best in class (framework, guidance, analytics and technical setup)

• Own and develop the end-to-end credit risk framework for credit cards, including eligibility, underwriting, scoring models, limit setting, risk appetite, monitoring, and reporting

• Partner closely with Product and Engineering to embed risk into product design and strategy from day one

• Architect the data strategy: Transactional data, multi-country bureau landscape, behavioural data, accounting software, government registry data and first party transactional signals on Finom’s accounts.

• Guide the ML & DS team in building, validating, and iterating credit scoring and related risk models

• Build and own the portfolio monitoring stack, Design, build and calibrate the early warning indicator / credit monitoring system: transaction velocity, balance deteriorating, payment pattern changes, supplier/customer/revenue concentration shift, signals from the external data sources

• Act as a strong Second Line of Defense (2LoD), 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

What you'll bring:

• 5–7+ 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/quantitive degree: physics, data science, applied mathematics, statistics, econometrics or quantitive finance is a strong plus.

• Solid understanding of risk governance, policies, and processes

• AI-native mindset — comfortable leveraging AI tools and agents to enhance productivity and decision-making

• Unit-economics/ product led growth mindset (eligibility, conversion, expected lose, cost of risk, false-positives as missed revenues, risk-adjusted margin), not just control

• Highly collaborative, with the ability to align diverse stakeholders (Product, Legal, Finance, Engineering, ML/DS)

• Analytical, structured, and pragmatic — able to combine deep detail with big-picture thinking

Nice to have:

• Understanding of EMI / PS4 regulation and related reporting requirements

• Familiarity with European regulatory frameworks (DNB, ECB/EBA, Basel)

• Hands-on experience with SME or credit cards models in Germany, Italy, or the Netherlands

• Passion for empowering SMEs and building accessible financial products

What You Will Get In Return

• Make a genuine impact on the product

• Join our upward trajectory, and grow with us. We provide the resources and opportunities for continuous personal and professional development, empowering you to make a genuine impact on our evolving product.

• Work in the EU