Head of Credit Risk
Finom
Head of Credit Risk
Finom is a European fintech startup seeking a Head of Credit Risk to lead the development of its credit risk framework for SME lending. This high-impact role involves designing risk foundations, collaborating with Product, ML, and Engineering teams, and ensuring regulatory compliance. The ideal candidate has 7-10+ years of credit risk experience in fintech or digital banking.
Head of Credit Risk
Finom is a European fintech startup seeking a Head of Credit Risk to lead the development of its credit risk framework for SME lending. This high-impact role involves designing risk foundations, collaborating with Product, ML, and Engineering teams, and ensuring regulatory compliance. The ideal candidate has 7-10+ years of credit risk experience in fintech or digital banking.
Salary
Core Qualifications
Technical (Must-have)
Soft Skills
Preferred Qualifications
Technical (Nice-to-have)
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 improve Finom's Credit Risk Engine.
- Partner 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 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.