Responsibilities
- 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
Requirements
- 5–7+ 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
- 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 lose, 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
- STEM/quantitive degree: physics, data science, applied mathematics, statistics, econometrics or quantitive finance is a strong plus.
- 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
Benefits
- 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.
Work Arrangement
Hybrid
Additional Information
- 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.
