Credit & Regulatory Manager

Anyday.io; Aarhus; On-site; DKK 700,000 - 900,000; Full time

Job summary

Anyday.io is seeking a Credit & Regulatory (AML) Manager to own daily credit operations and regulatory compliance. You will lead underwriting, monitor PD/ECL, and ensure Danish and EU payment regulations are met, while preparing for the virtual card rollout.

Based in Aarhus, you will report to the CFO and collaborate with our finance, legal and compliance teams as well as a global team in Chiang Mai to balance growth with risk management and regulatory adherence.

Qualifications

• 2–4 years in bank/fintech with credit risk or AML/CTF.
• Bachelor's or Master's in Law, Finance, Economics or related field.
• Strong understanding of consumer credit products, PD and ECL.
• Knowledge of Danish/EU payment regulations and AML directives.
• Data-informed, analytical, growth-with-risk mindset.
• Experience leveraging AI tools to optimize credit and compliance.

Responsibilities

• Own daily credit operations and underwriting rules.
• Oversee AML/CTF controls and transaction monitoring.
• Bridge regulatory requirements with financial controls and reporting.
• Collaborate with CFO and international teams across orgs.
• Design and implement regulatory and credit frameworks for new products.

Skills

Credit risk

Regulatory compliance

AML/CTF

Data analytics

AI tools

Credit scoring

Regulatory knowledge

Fintech background

Bank experience

Education

Law/Finance degree

Job description

At Anyday, we are reshaping how consumers pay and manage their finances. We build split-payment solutions that make modern financing transparent, fair, and seamless.

We operate in a fast-paced, high-growth fintech environment where dynamic ideas quickly become real-world solutions. As we prepare to launch our new virtual card, which opening up a broader scope of credit usage for our shoppers, we are looking for ambitious talent to help power our next phase of growth.

You will sit physically at our office in Aarhus, Denmark, working alongside our CEO, Enterprise Sales, and an agile team of 8-10 colleagues within the CFO area (Finance, Credit, Legal and Compliance). You will also collaborate closely with our international organization in Chiang Mai, Thailand, where 35 team members handle Tech, Customer Support, and Operations.

What We Are Looking For:

We are seeking a proactive, highly structured Credit & Regulatory (AML) Manager to take operational ownership of both our credit framework and regulatory compliance function.

Reporting directly to our CFO, you will be hands-on in driving daily credit operations while serving as the primary anchor for our ongoing regulatory requirements. You will bridge the gap between financial risk modeling and regulatory compliance, and managing everything from our underwriting engine to post-onboarding AML monitoring.

Key Responsibilities:

• Credit Engine Ownership: Together with the team, take daily operational ownership of our consumer credit engine, hence taking part in the setup, continuously refining decisioning rules, credit risk assessments, and performance tracking.
• Impairment & Modeling: Work actively with key credit metrics including Probability of Default (PD) and Expected Credit Loss (ECL).
• Post-Onboarding AML & Transaction Monitoring: Oversee and assist the team with ongoing anti-money laundering (AML) controls, fraud prevention, and regulatory compliance monitoring for active shoppers.
• Virtual Card Expansion: Help design and execute regulatory and credit frameworks for our upcoming virtual card product launch.
• Compliance Advisory: Stay ahead of Danish and EU payment regulations, ensuring Anyday maintains high regulatory standards as we scale.
• Financial Impacts: Working closely with colleagues within the CFO area making sure not only being regulatory compliant, but also having a steer and view on being financial compliant (accounting and controlling) from the work carried out within the credit and regulatory space.

What You Bring (Your Background):

• We imagine you have 2-4 years of relevant experience from a bank, fintech, or another regulated financial institution, where you have worked directly with credit, risk, or payment regulatory compliance.
• Education: A Bachelor's or Master's degree in Law, Business Law, Finance, Economics, or a related field.
• Experience: 2-4 years in consumer finance credit risk, regulatory compliance (specifically AML/CTF), or payment sector regulation.
• Domain Knowledge: Solid understanding of consumer credit products, credit scoring dynamics, and key metrics like PD and ECL.
• Regulatory Aptitude: Practical familiarity with AML/CTF legislation and compliance frameworks in payments.
• Mindset: Data-informed, analytically strong, and comfortable balancing commercial growth with risk mitigation and regulatory compliance.
• You actively leverage AI tools in your day-to-day workflow to optimize processes, enhance decision-making, and streamline credit and compliance analysis.

What We Offer:

• High Impact: Direct, daily influence on both credit risk decisions and compliance strategy, shaping how Anyday operates and scales.
• Product Launch Exposure: A front-row seat to building regulatory and credit solutions for our upcoming virtual card rollout.
• Fast-Paced Culture: An energetic, collaborative work environment at our office in Aarhus, Denmark, where short paths from idea to execution are the norm.
• Direct Leadership Access: Close collaboration with executive leadership and direct reporting to the CFO.
• Growth Potential: Ample room to expand your role and responsibilities as Anyday grows.