What You Will Be Doing

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

What you'll bring:

5–7+ 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/quantitive degree: physics, data science, applied mathematics, statistics, econometrics or quantitive 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 lose, 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