Credit Risk Manager – Digital SME Lending, Credit Cards

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

📋 Description

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

• Supervise and enhance Finom’s credit risk engine, which includes its framework, guidance, analytics, and technical infrastructure.

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

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

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

• Provide guidance to the ML and Data Science team in developing, validating, and refining credit scoring and associated risk models.

• Construct and manage the portfolio monitoring stack.

• Create, build, and calibrate early-warning indicators and credit monitoring systems.

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

• Take ownership of and continuously enhance credit risk policies, risk appetite frameworks, and reporting mechanisms.

• Ensure compliance with EMI/PS4 regulatory standards and the evolving norms across Europe.

• Work collaboratively with Product, ML & Data Science, Operations, and Engineering, while having direct interaction with the CRO.

⛳️ Requirements

• Over 5 years of experience in credit risk, particularly with hands-on expertise in SME lending and credit card products.

• Extensive experience with automated underwriting and risk models within fintech or digital banking sectors.

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

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

• Proficient in using AI tools and agents to improve productivity and decision-making processes.

• Possess a unit-economics/product-led-growth mindset.

• Capability to align various stakeholders from Product, Legal, Finance, Engineering, and ML/DS.

• Familiarity with EMI/PS4 regulations and related reporting requirements is a plus.

• Knowledge of European regulatory frameworks (DNB, ECB/EBA, Basel) is an added advantage.

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

🏝️ Benefits

• Opportunities for continuous personal and professional development.

• Flexibility to travel and work remotely or in a hybrid model throughout Europe.

• Stock Options Program accessible to all team members.

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

• Ongoing support and care for employees.

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