Head Capital Adequacy and Risk Management

XTB online investing; Warszawa; On-site; PLN 600,000 - 800,000; Full time

Job summary

XTB online investing is seeking an experienced risk leader to shape and grow the Group's risk management framework. Reporting to the Chief Risk Officer, you will be the CRO’s senior delegate for day-to-day leadership and development of the Group risk function across international operations.

This senior role blends deep technical risk expertise with strategic judgment and strong people management. You will lead seasoned risk specialists, drive group-wide risk processes, and ensure risk practices

Qualifications

• Experience in risk management within a regulated financial institution.
• Broad understanding of ERM principles including appetite, assessment, monitoring and governance.
• Leadership experience managing risk professionals and teams.
• International/multi-entity work experience coordinating risk across subsidiaries.

Responsibilities

• Group Risk Oversight: Support group-wide risk governance and escalation of material risks.
• Capital adequacy & prudential processes: Oversee capital planning and prudential requirements.
• Prudential reporting: Ensure consistent methodologies and regulatory reporting across entities.
• Financial risk management: Provide direction for market and counterparty risk and stress testing.
• Modeling & valuation: Guide development of risk models and valuation methods for derivatives.
• Leadership & team development: Lead risk professionals and allocate resources effectively.
• ERM development & governance: Support ERM framework, risk appetite, monitoring and reporting.
• Product & strategic review: Assess risk implications of new products and business changes.

Skills

Group risk oversight

Capital adequacy

Prudential risk

Financial risk management

Modeling & valuation

People leadership

Stakeholder management

Communication

Job description

We are looking for an experienced risk leader who will play a key role in further developing XTB’s risk management framework across the Group and act as a close partner to the board. Reporting directly to the Chief Risk Officer, you will be the CRO’s senior delegate for the day-to-day leadership and development of the Group risk function.

This is a senior leadership role combining strong technical risk expertise, business judgement, and people management. You will lead experienced specialist teams, play a key role in Group-wide risk processes, and help ensure that XTB’s approach to risk continues to evolve in line with the increasing scale, complexity, and international footprint of the business.

We are looking for an experienced risk leader who will play a key role in further developing XTB’s risk management framework across the Group and act as a close partner to the board. Reporting directly to the Chief Risk Officer, you will be the CRO’s senior delegate for the day-to-day leadership and development of the Group risk function.

This is a senior leadership role combining strong technical risk expertise, business judgement, and people management. You will lead experienced specialist teams, play a key role in Group-wide risk processes, and help ensure that XTB’s approach to risk continues to evolve in line with the increasing scale, complexity, and international footprint of the business.

Key Responsibilities

• Group Risk Oversight: Support Group-wide oversight of risk management across XTB and its subsidiaries, supporting consistent risk governance, effective identification and escalation of material risks, and appropriate challenge of the business.

• Capital Adequacy & Prudential Processes: Oversee Group-wide capital adequacy, capital planning, and prudential processes, including regulatory capital requirements, ICAAP/ICARA, stress testing, and forward-looking assessments of capital needs.

• Prudential Reporting: Ensure effective oversight of prudential reporting across XTB and its subsidiaries, including consistency of methodologies, data, and regulatory requirements across entities.

• Financial Risk Management: Provide senior oversight and strategic direction for financial risk management, including market and counterparty risk, stress testing, risk limits, and monitoring of key financial exposures.

• Modeling & Valuation: Provide direction and challenge in relation to the development of financial risk models and valuation methodologies, including those used for derivatives and options.

• Leadership & Team Development: Lead and develop experienced risk professionals and Team Leaders, set clear priorities, and ensure effective allocation of resources across ongoing responsibilities and strategic initiatives.

• ERM Development: Support the further development of the Enterprise Risk Management (ERM) framework, including risk assessment, risk appetite, monitoring, and management reporting.

• Product & Strategic Review: Participate in the assessment of material new products, strategic initiatives, and changes to the business model, ensuring that their risk and capital implications are appropriately understood before implementation.

Requirements

• Experience: Significant experience in risk management within a regulated financial institution, preferably an investment firm, bank, or other business with material trading and financial market exposure.

• Technical Expertise: Deep expertise in either capital adequacy / prudential risk OR financial risk management, combined with a strong working understanding of the other area.

• ERM Principles: Broad understanding of Enterprise Risk Management principles, including risk appetite, risk assessment, monitoring, escalation, and risk governance. Experience in developing or materially improving an ERM framework would be an advantage, but is not a prerequisite.

• People Leadership: Proven people leadership experience, including managing experienced specialists and Team Leaders, setting priorities, developing people, and ensuring effective delivery across multiple workstreams.

• International / Multi-Entity Operations: Experience working in an international or multi-entity environment, with the ability to coordinate risk management processes and requirements across subsidiaries and jurisdictions.

• Senior Stakeholder Management: Ability to operate effectively at senior management level and provide credible, independent challenge on material business and risk decisions.

• Communication: Excellent communication and stakeholder management skills, including experience working with senior management and the ability to constructively challenge business decisions while building trusted relationships across the organization.

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.