Credit Risk Manager (SME Lending)

Finom; España; Híbrido; EUR 110.000 - 160.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Stock options

Work & Swim program in Cyprus

Remote/hybrid across Europe

Descripción de la vacante

Finom is expanding its European SME lending capabilities and launching new credit card products. You will lead the credit risk framework from ground up, shaping risk foundations and ensuring robust policies, monitoring, and reporting across multi-country data sources.

In this high-impact role, you will collaborate with Product, ML & DS, Operations and Engineering to embed risk into product decisions and scale a best-in-class risk function across Europe.

Formación

• 5+ years of experience in credit risk for SME lending and credit cards.
• Experience with automated underwriting and risk models in fintech.
• STEM/quantitative degree; math, statistics, econometrics knowledge is a strong plus.
• Strong understanding of risk governance, policies, and processes.

Responsabilidades

• Oversee and evolve Finom’s Credit Risk engine to best-in-class status.
• Own end-to-end credit risk framework for cards: eligibility, underwriting, scoring, limits, monitoring.
• Collaborate with Product and Engineering to embed risk in product design from day one.
• Architect the data strategy across multi-country data sources and signals; guide ML/DS teams on risk models.
• Build and own the portfolio monitoring stack.
• Design and calibrate early warning indicators and credit monitoring systems.
• Act as 2LoD to ensure robust origination, monitoring and collections.
• Own credit risk policies, risk appetite and reporting alignment with European standards.
• Ensure compliance with EMI/PS4 regulatory requirements.

Conocimientos

Credit risk

SME lending

Credit cards

Automated underwriting

Risk governance

AI-native mindset

Cross-functional collaboration

Educación

STEM/quantitative degree

Herramientas

AI/ML tools

Data analytics

Descripción del empleo

About Finom

Finom is a European tech startup headquartered in Amsterdam, and we’re on a journey towards revolutionizing the financial landscape for entrepreneurs worldwide. Our mission is to develop an all-in-one financial B2B solution that integrates banking functions, accounting, financial management, and invoicing into a seamless, mobile-first platform.

We recently closed a €115 million Series C equity round (around $133 million), bringing our total funding to approximately $346 million. This significant investment follows a $105 million growth funding round from General Catalyst, a long‑term backer since 2021 known for supporting companies like Airbnb, HubSpot, KAYAK, and Stripe.

Finom's platform goes beyond traditional banking, offering invoicing and a growing suite of features, including AI-enabled accounting, aiming to simplify financial management for entrepreneurs. We're actively expanding our reach across key EU markets like Germany, France, the Netherlands, Italy, and Spain.

At Finom, we’re not just redefining the entrepreneurial experience — we’re empowering our employees to make a real difference. Your work matters, and your impact extends far beyond product metrics. We nurture innovation and an inspiring work environment where bold ideas thrive, prioritizing thorough research, swift implementation of solutions, and ensuring that every effort we make benefits our users, employees, partners, and our business as a whole.

Maintaining our start‑up spirit, we prioritize thorough research, swift implementation of solutions, and ensuring that every effort we make benefits our users, employees, partners, and, of course, our business.

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.

What you’ll do

• 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

Who you are

• 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/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 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

Nice to have

• 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

What You Will Get In Return

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, empowering you to make a genuine impact on our evolving product.

Work in the EU

Embark on this exciting journey with us and enjoy the flexibility of traveling and working remotely or in a hybrid model across Europe.

Become a stock options holder

Unlock your inner entrepreneur and align your aspirations with ours through our Stock Options Program. This exciting opportunity is available to every team member, from junior team members to our founders.

Receive unwavering support and care

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. We offer constant support and care to ensure your Finom experience is successful and fulfilling.

Work & Swim program

Immerse yourself in our exclusive Work & Swim Program. Spend one month in a comfortable corporate apartment in enchanting Cyprus. It's the ideal opportunity to strike the perfect work‑life balance while enjoying breathtaking Mediterranean views.

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. If you would like more information about how your data is processed, please contact us.