Spain•Poland•Netherlands
Remote
Senior
Full Time
credit riskSME lendingcredit cardsfintechdigital bankingAI-nativeremote workstock options
Requirements
- •5+ 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
- •STEM/quantitative degree (physics, data science, applied mathematics, statistics, econometrics or quantitative finance) is a strong plus
- •Solid understanding of risk governance, policies, and processes
- •AI-native mindset comfortable leveraging AI tools and agents
- •Unit-economics/product led growth mindset
- •Highly collaborative with ability to align diverse stakeholders
- •Analytical, structured, and pragmatic combining deep detail with big-picture thinking
What You'll Do
- •Oversee, build, improve Finom’s Credit Risk engine
- •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
- •Architect the data strategy involving transactional data, multi-country bureau landscape, behavioural data, accounting software, government registry data and first party transactional signals
- •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
- •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
Nice to Have
- •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
- •Opportunities for continuous personal and professional development
- •Flexibility of traveling and working remotely or in a hybrid model across Europe
- •Stock Options Program available to all team members
- •Unwavering support and care in a modern, friendly, and eco-conscious corporate culture
- •Work & Swim program: one month in a corporate apartment in Cyprus for work-life balance
About Finom
Finom provides an online payment solution that integrates business accounts, invoicing, and accounting.
Amsterdam, Netherlands
500 - 1000
Finance