Credit Risk Manager (SME Lending)

We’re looking for a Credit Risk Manager  to build and lead the credit risk framework for our SME Credit Cards/Overdraft , e.g. “Boost“ and “Cushion” products.

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’ll do

• 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

Who you are

• 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/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 losses, 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