Credit Risk Manager - SME Credit Cards

About Finom   Finom is a European tech startup headquartered in Amsterdam, and we’re on a journey towards revolutionizing the financial landscape for entrepreneurs worldwide. Our mission is to develop an all-in-one financial B2B solution that integrates banking functions, accounting, financial management, and invoicing into a seamless, mobile-first platform.   We recently closed a €115 million Series C equity round (around $133 million), bringing our total funding to approximately $346 million. This significant investment follows a $105 million growth funding round from General Catalyst, a long-term backer since 2021 known for supporting companies like Airbnb, HubSpot, KAYAK, and Stripe.   Finom's platform goes beyond traditional banking, offering invoicing and a growing suite of features, including AI-enabled accounting, aiming to simplify financial management for entrepreneurs. We're actively expanding our reach across key EU markets like Germany, France, the Netherlands, Italy, and Spain.   At Finom, we’re not just redefining the entrepreneurial experience — we’re empowering our employees to make a real difference. Your work matters, and your impact extends far beyond product metrics. We nurture innovation and an inspiring work environment where bold ideas thrive, prioritizing thorough research, swift implementation of solutions, and ensuring that every effort we make benefits our users, employees, partners, and our business as a whole.   Maintaining our start-up spirit, we prioritize thorough research, swift implementation of solutions, and ensuring that every effort we make benefits our users, employees, partners, and, of course, our business.

We’re looking for a Credit Risk Manager / Lead to build and lead the credit risk framework for our SME Credit Cards product.

This is a high-impact role with direct exposure to the CRO and close collaboration with Product, ML & Data Science, Operations, and Engineering. You will play a key role in launching a new credit card line of business at Finom — designing the risk foundations from the ground up and shaping the future of SME lending in Europe

What You Will Be Doing

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

What you'll bring:

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

STEM/quantitive degree: physics, data science, applied mathematics, statistics, econometrics or quantitive finance is a strong plus.

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:

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