Amsterdam
2 weeks ago
Head of Credit Risk
Finom
Amsterdam
2 weeks ago
Head of Credit Risk
Finom is seeking a Head of Credit Risk to design and drive the credit risk framework for SME lending in Europe. This high-impact role involves close collaboration with Product, ML & Data Science, Operations, and Engineering, with direct exposure to the CRO. The ideal candidate has 7-10+ years of credit risk experience in fintech or digital banking.
AI-enabledRemoteFull-timeSeniorCredit RiskSME Lending
Head of Credit Risk
Finom is seeking a Head of Credit Risk to design and drive the credit risk framework for SME lending in Europe. This high-impact role involves close collaboration with Product, ML & Data Science, Operations, and Engineering, with direct exposure to the CRO. The ideal candidate has 7-10+ years of credit risk experience in fintech or digital banking.
AI-enabledRemoteFull-timeSeniorCredit Risk
Salary
Not specified
Core Qualifications
Technical (Must-have)
Credit RiskSME LendingCredit CardsFraud RiskAutomated UnderwritingRisk ModelsRisk GovernanceRisk PoliciesMachine LearningData ScienceStatisticsEconometricsUnit EconomicsProduct Led GrowthStakeholder Management
Soft Skills
Critical ThinkingOwnership MindsetCollaborationAnalyticalStructuredPragmaticBig-Picture Thinking
Key Responsibilities
- Own and drive the development of end-to-end credit risk framework for all credit products including eligibility, underwriting, scoring models, limit setting, risk appetite, monitoring, and reporting.
- Create methodology and work with Machine Learning Engineers to develop and continuously improve Finom's Credit Risk Engine.
- Partner closely with Heads of Product and Engineering to embed risk into product design and strategy.
- Architect the data strategy: Decisioning tools, transactional data, multi-country bureau landscape, behavioral data, accounting software, government registry data and first party transactional signals.
- Build and own the portfolio monitoring stack.
- Design, build and calibrate the early warning indicators / credit monitoring system.
- Act as a strong Second Line of Defence (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.
Head of Credit RiskFintechFinancial ServicesSME LendingCredit RiskMachine LearningRemoteSeniorAmsterdam