Credit Risk Manager – SME Credit Cards

Job Description

Take charge of enhancing Finom's Credit Risk engine, aiming for industry recognition (framework, guidance, analytics, and technical setup). Manage and refine the complete credit risk process for credit cards, covering eligibility, underwriting, scoring models, limit setting, risk tolerance, monitoring, and reporting. Team up with Product and Engineering to integrate risk considerations into product design and strategy from the start. Define the data strategy, encompassing transactional data, bureau landscape across multiple countries, behavioral data, accounting software, government registry data, and first-party transactional signals on Finom’s accounts. Steer the ML & DS team in developing, validating, and improving credit scoring and related risk models. Construct and maintain the portfolio monitoring system. Develop and fine-tune the early warning indicator and credit monitoring system, focusing on transaction velocity, balance deterioration, payment pattern changes, shifts in supplier/customer/revenue concentration, and signals from external data sources. Serve as a robust Second Line of Defense (2LoD), guaranteeing strong origination, monitoring, and collections processes. Oversee and continuously refine credit risk policies, risk appetite frameworks, and reporting. Ensure compliance with EMI / PS4 regulatory requirements and emerging European standards.

Qualifications

1. 5-7+ years of experience in credit risk, with hands-on expertise in SME lending and credit cards 2. Strong experience with automated underwriting and risk models in fintech or digital banking environments 3. STEM/quantitive degree: physics, data science, applied mathematics, statistics, econometrics or quantitive finance is a strong plus. 4. Solid understanding of risk governance, policies, and processes 5. AI-native mindset — comfortable leveraging AI tools and agents to enhance productivity and decision-making 6. Unit-economics/ product led growth mindset (eligibility, conversion, expected lose, cost of risk, false-positives as missed revenues, risk-adjusted margin), not just control 7. Highly collaborative, with the ability to align diverse stakeholders (Product, Legal, Finance, Engineering, ML/DS) 8. Analytical, structured, and pragmatic — able to combine deep detail with big-picture thinking

Benefits

- Make a significant impact on the product. - Join our growth trajectory and advance with us. We offer the resources and chances for ongoing personal and professional growth, empowering you to significantly influence our evolving product. - Enjoy the flexibility of traveling and working remotely or in a hybrid model across Europe. - Become a stock options holder. Align your aspirations with ours through our Stock Options Program, available to every team member. - Receive strong support and care. Finom stands by you, committed to your well-being and success, reflected in our friendly and eco-conscious corporate culture. We offer constant support and care to ensure your experience is successful and fulfilling. - Immerse yourself in our exclusive Work & Swim Program. Spend one month in a comfortable corporate apartment in enchanting Cyprus, balancing work and life while enjoying Mediterranean views. - At Finom, we're an equal opportunity employer and value diversity. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, disability status, or other applicable legally protected characteristics.