Credit Risk Manager – Digital SME Lending, Credit Cards

This is a fully remote position, open to applicants in Poland, +2 more countries.

📋 Description

• Develop and lead the credit risk framework for SME credit cards and overdraft offerings.

• Manage and enhance Finom’s credit risk engine, encompassing framework, guidance, analytics, and technical configurations.

• Take ownership of the comprehensive credit risk framework, which includes eligibility, underwriting, scoring models, limit setting, risk appetite, monitoring, and reporting.

• Collaborate with Product and Engineering teams to integrate risk considerations into product design and strategy.

• Construct the data strategy utilizing transactional, bureau, behavioral, accounting, government registry, and first-party account data.

• Advise ML and Data Science teams in the creation, validation, and refinement of credit scoring and related risk models.

• Establish and manage the portfolio monitoring system.

• Design, develop, and calibrate early warning indicators and credit monitoring frameworks.

• Serve as a robust Second Line of Defense, ensuring effective origination, monitoring, and collection processes.

• Own and continually enhance credit risk policies, risk appetite frameworks, and reporting mechanisms.

• Ensure compliance with EMI/PS4 regulatory standards and evolving European regulations.

• Work closely with the CRO, Product teams, ML & Data Science, Operations, and Engineering departments.

⛳️ Requirements

• Over 5 years of experience in credit risk, with practical expertise in SME lending and credit card products.

• Extensive experience in automated underwriting and risk modeling within fintech or digital banking settings.

• A STEM/quantitative degree in physics, data science, applied mathematics, statistics, econometrics, or quantitative finance is highly advantageous.

• Strong comprehension of risk governance, policies, and processes.

• An AI-native approach; adept at utilizing AI tools and agents.

• A mindset focused on unit economics and product-led growth.

• Highly collaborative, capable of aligning Product, Legal, Finance, Engineering, and ML/DS stakeholders.

• Possess analytical, structured, and pragmatic problem-solving skills.

• Knowledge of EMI/PS4 regulations and reporting requirements is a plus.

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

• Practical experience with SME or credit card models in Germany, Italy, or the Netherlands is a plus.

• A passion for empowering SMEs and creating accessible financial products.

🏝️ Benefits

• Opportunities for continuous personal and professional growth.

• Flexible travel options and remote or hybrid work arrangements across Europe.

• Stock Options Program available for every team member.

• A modern, friendly, and environmentally conscious corporate culture.

• Ongoing support and care for employees.

• Work & Swim Program: enjoy one month in a corporate apartment in Cyprus.