Credit Risk Manager – SME Lending

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

📋 Description

• Develop and lead the credit risk framework for Finom’s SME Credit Card and Overdraft offerings.

• Manage, enhance, and refine Finom’s Credit Risk engine, which includes its framework, guidance, analytics, and technical infrastructure.

• Own and advance the comprehensive credit risk framework for credit cards, covering 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.

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

• Lead the ML & Data Science team in developing, validating, and iterating credit scoring and associated risk models.

• Establish and oversee the portfolio monitoring framework.

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

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

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

• Ensure compliance with EMI/PS4 regulatory requirements and adapt to evolving European standards.

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

⛳️ Requirements

• 5+ years of experience in credit risk management.

• Practical expertise in SME lending and credit card products.

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

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

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

• Proficient in utilizing AI tools and agents.

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

• Ability to align diverse stakeholders across Product, Legal, Finance, Engineering, and ML/DS domains.

• Familiarity with EMI/PS4 regulation and associated reporting requirements is a plus.

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

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

🏝️ Benefits

• Opportunities and resources for continuous personal and professional development.

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

• Stock Options Program available to all employees.

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

• Ongoing support and care for all team members.

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