Risk Director

4finance Spain; Madrid; Híbrido; EUR 40.000 - 80.000; Jornada completa

Descripción de la vacante

Join a forward-thinking fintech company at the forefront of the European consumer microcredit market. This role offers the opportunity to develop and optimize credit approval strategies while collaborating with data science to enhance risk models. You will lead a high-performing risk team, ensuring compliance with regulatory requirements and driving innovative solutions in a dynamic and collaborative environment. Enjoy a hybrid work model, continuous training, and a range of corporate activities that foster a positive workplace culture. If you're passionate about fintech and want to make an impact, this is the perfect opportunity for you.

Servicios

Permanent contract

Hybrid work model

Continuous training program

Private health insurance

Life insurance

Corporate activities

Physical wellness programs

Access to gyms and sports centers

Dynamic work environment

Inclusive environment

Formación

• Experience in credit risk management within fintech or consumer lending.
• Strong knowledge of credit policy development and portfolio analytics.
• Proven experience with decision engines and credit bureau data.

Responsabilidades

• Develop and optimize credit approval strategies and decision frameworks.
• Monitor portfolio performance metrics and implement corrective actions.
• Ensure alignment of risk policies with regulatory requirements.

Conocimientos

Credit Risk Management

Analytical Skills

Problem-Solving

Communication Skills

Leadership

SQL

Excel

Python

R

Educación

Bachelor’s degree in finance

Master’s degree in finance

Degree in economics

Degree in mathematics

Herramientas

Decision Engines

Scoring Models

Risk Systems

Descripción del empleo

Join the fintech revolution and be part of our leading team in the European consumer microcredit market!

At 4Finance Spain, we merge technological innovation with our extensive industry experience to achieve exceptional results. Do you want to be part of our success?

Functions :

Credit Policy & Approval Strategy

• Develop and continuously optimize credit approval strategies and decisioning frameworks (e.g., scorecards, segmentation, rules engines).
• Set and refine credit limits and exposure policies tailored to various customer segments.
• Oversee underwriting standards to balance risk and growth objectives.
• Monitor and analyze portfolio performance metrics (delinquency, loss rates, vintage curves, etc.).
• Develop (create requirements) and maintain robust risk dashboards, reporting, and early warning systems.
• Identify trends, conduct root cause analysis, and implement corrective actions.

Model & Data Strategy

• Collaborate with data science to enhance risk models (e.g., credit scoring).
• Leverage internal and external data sources to improve predictive accuracy and customer insights.

Governance & Compliance

• Ensure alignment of risk policies with regulatory requirements and internal risk appetite.
• Support audit, compliance, and external regulatory interactions as needed.
• Create and maintain thorough documentation of all credit policies and procedures.
• Lead and mentor a small high-performing risk team.
• Work cross-functionally with product, marketing, finance, analytics, collection and technology teams to align risk initiatives with business strategy.
• Present findings and recommendations to senior leadership and board-level stakeholders.

Qualifications :

• Bachelor’s / Master’s degree in finance, economics, mathematics, or a related field
• Fluent in Spanish and English
• Excellent analytical, problem-solving, and communication skills.
• Demonstrated leadership experience with the ability to influence at all levels of the organization.

Experience :

• Solid experience in credit risk management, preferably within fintech, consumer lending, or payday loan businesses. Candidates coming from banking sector are considered too.
• Strong knowledge of credit policy development, portfolio analytics, and risk systems.
• Proven experience with decision engines, scoring models, and credit bureau data.
• Must have a knowledge of SQL and Excel (pivot tables). Experience with Python or R would be nice to have as well although not necessary

What we offer

• Permanent contract at a well-established and constantly evolving fintech company.
• Hybrid work model with an office in Madrid.
• Access to a continius training program, including languages.
• Private health insurance and life insurance.
• Positive, dynamic, and collaborative work environment.
• Corporate activities and team events throughout the year.
• Physical wellness programs with access to gyms and sports centers.
• A diverse, inclusive environment committed to equal opportunities.

Risk • Madrid, Community of Madrid, Spain