Credit Risk Manager (B2B Lending)

Aventus Group; Polska; Hybrid; PLN 180,000 - 300,000; Full time

Benefits offered by this job

Flexible work format

Remote/hybrid from Warsaw office

Professional development opportunities

Extended benefits package

Job summary

Aventus Group is seeking an experienced Credit Risk Manager to build and scale our international B2B lending risk function across Poland and South Africa, with plans to expand further. This hands-on leadership role combines deep lending risk expertise with business understanding, ownership, and the ability to implement scalable risk processes from the ground up.

You will own portfolio quality, develop risk frameworks, and collaborate with product and operations while supporting new market

Qualifications

• 5+ years of experience in credit risk, underwriting, or lending strategy within fintech, lending, or banking.
• Strong experience in SME/business lending, commercial lending, factoring, leasing, or working capital financing.
• Deep understanding of underwriting, portfolio management, collections, and lending economics.
• Experience building or improving risk frameworks, scoring models, or decision strategies.
• Strong analytical skills with proficiency in SQL and Python.
• Business-oriented mindset with strong ownership and decision-making skills.

Responsibilities

• Develop and scale B2B lending risk and underwriting frameworks across Poland and South Africa and future markets.
• Own portfolio quality, approval performance, defaults, and collections efficiency.
• Build credit risk policies and decision-making processes.
• Collaborate with business, product, and operations teams.
• Support launch of new markets and lending products.
• Participate in building future risk and analytics teams.
• Monitor portfolio performance and optimize risk strategies.
• Balance growth objectives with sustainable portfolio quality.
• Contribute to cross-market risk governance and scaling.

Skills

Credit risk management

Underwriting

Portfolio analytics

SME lending

Portfolio management

Stakeholder management

Ownership mindset

Execution-focused

Financial modelling

Tools

SQL

Python

Job description

We are looking for an experienced Credit Risk Manager to build and scale our international B2B lending risk function across Poland and South Africa, with future expansion into additional markets.

This is a hands-on leadership role for someone who combines strong lending risk expertise with business understanding, ownership mindset, and the ability to build scalable risk processes from the ground up.

• Develop and improve B2B lending risk and underwriting frameworks
• Own portfolio quality, approval performance, defaults, and collections efficiency
• Build credit risk policies and decision-making processes
• Work closely with business, product, and operations teams
• Support launch of new markets and lending products
• Participate in building future risk and analytics teams
• Monitor lending portfolio performance and optimize risk strategies
• Balance business growth objectives with sustainable portfolio quality
• Contribute to cross-market risk governance and operational scaling
• 5+ years of experience in credit risk, underwriting, or lending strategy within fintech, lending, or banking
• Strong experience in SME/business lending, commercial lending, factoring, leasing, or working capital financing
• Deep understanding of underwriting, portfolio management, collections, and lending economics
• Experience building or improving risk frameworks, scoring models, or decision strategies
• Strong analytical skills with proficiency in SQL and Python
• Business-oriented mindset with strong ownership and decision-making skills
• Hands-on and execution-focused approach
• Strong communication and stakeholder management skills
• English - at least B2 level

What We Offer

• Opportunity to build an international B2B risk function from scratch
• High ownership and direct business impact
• International and fast-growing fintech environment
• Flexible work format (remote or hybrid from Warsaw office)
• Full access to tools, resources, and professional development opportunities
• Extended benefits package and corporate programs

Aventus Group is an international fintech company with 15 years of experience in developing and scaling financial products across multiple markets.