Senior Credit Risk Architect – SME Lending & Cards

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

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.