[Hiring] Credit Risk Manager @Finom

Role Description

We’re looking for a Credit Risk Manager to build and lead the credit risk framework for our SME Credit Cards/Overdraft, e.g. “Boost“ and “Cushion” products. 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.

• 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.

Qualifications

• 5+ 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/quantitative degree: physics, data science, applied mathematics, statistics, econometrics or quantitative 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 losses, 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.

Requirements

• 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.

Benefits

• 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.
• Work in the EU with the flexibility of traveling and working remotely or in a hybrid model across Europe.
• Become a stock options holder through our Stock Options Program available to every team member.
• Receive unwavering support and care, reflecting our commitment to your well-being and success.
• Immerse yourself in our exclusive Work & Swim Program in Cyprus for a perfect work-life balance.