[Hiring] Head of Credit Risk @Finom

Role Description

We’re looking for a Head of Credit Risk: 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 be designing the risk foundations from the ground up and shaping the future of SME lending in Europe.

What You Will Be Doing:

• Own and drive the development of an end-to-end credit risk framework for all credit products including eligibility, underwriting, scoring models, limit setting, risk appetite, monitoring, and reporting.
• Engage with external vendors, where necessary, to enhance the credit risk detection capabilities.
• Create the methodology for and closely work with Machine Learning Engineers to develop and continuously improve Finom’s Credit Risk Engine.
• Partner closely with Heads of Product and Engineering to embed risk into product design and strategy from day one.
• Architect the data strategy: Decisioning tools, 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 indicators / 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 Defence (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

• 7-10+ years of experience in credit risk, with hands-on expertise in SME lending and credit cards and the associated credit risks and fraud risks.
• 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 management.
• 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.
• Critical thinker with a strong ownership mindset, who is keen to challenge traditional approaches.
• 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.

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.
• Embark on this exciting journey with us and enjoy the flexibility of traveling and working remotely or in a hybrid model across Europe.
• Unlock your inner entrepreneur and align your aspirations with ours through our Stock Options Program.
• Finom stands by you at every step, embodying our commitment to your well-being and success reflected in our modern, friendly, and eco-conscious corporate culture.
• Immerse yourself in our exclusive Work & Swim Program. Spend one month in a comfortable corporate apartment in enchanting Cyprus.

Equal Opportunity Statement

At Finom, we're an equal opportunity employer and value diversity at our company. We embrace diversity and invite applications from all walks of life. 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.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans.