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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in building and leading credit risk frameworks, with a strong focus on SME lending and credit card products. Proficient in leveraging data strategies and collaborating across teams to ensure compliance with regulatory requirements and enhance risk management processes.
Highest-signal resume keywords
Credit Risk Framework DevelopmentAutomated Underwriting ExpertiseData Strategy ArchitectureRegulatory Compliance (EMI/PS4)Collaboration with Cross-Functional Teams
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit Risk AnalysisRisk Scoring ModelsPortfolio MonitoringData AnalyticsStatistical ModelingMachine LearningUnderwriting ProcessesRisk Appetite FrameworksFinancial Product DesignQuantitative Finance
Soft Skills
Analytical ThinkingCollaborationStructured Problem SolvingPragmatismCommunication
Tools & Technologies
AI ToolsCredit Monitoring SystemsEarly Warning IndicatorsFintech SolutionsData Science Frameworks
Industry Keywords
SME LendingCredit CardsFintechDigital BankingEuropean Regulatory FrameworksRisk GovernanceUnit EconomicsProduct-Led GrowthBasel StandardsDNB/ECB/EBA Compliance
About the role
Key responsibilities & impact- Build and lead the credit risk framework for SME credit cards and overdraft products
- Oversee and improve Finom’s credit risk engine, including framework, guidance, analytics, and technical setup
- Own and develop the end-to-end credit risk framework covering eligibility, underwriting, scoring models, limit setting, risk appetite, monitoring, and reporting
- Partner with Product and Engineering to embed risk into product design and strategy
- Architect the data strategy using transactional, bureau, behavioural, accounting, government registry, and first-party account data
- Guide ML and Data Science teams in building, validating, and iterating credit scoring and related risk models
- Build and own the portfolio monitoring stack
- Design, build, and calibrate early warning indicators and credit monitoring systems
- Act as a strong Second Line of Defense, 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
- Collaborate closely with the CRO, Product, ML & Data Science, Operations, and Engineering
Requirements
What you’ll need- 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 in 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 and able to align Product, Legal, Finance, Engineering, and ML/DS stakeholders
- Analytical, structured, and pragmatic
- Understanding of EMI/PS4 regulation and reporting requirements is a nice to have
- Familiarity with European regulatory frameworks (DNB, ECB/EBA, Basel) is a nice to have
- Hands-on experience with SME or credit card models in Germany, Italy, or the Netherlands is a nice to have
- Passion for empowering SMEs and building accessible financial products
Benefits
Comp & perks- Continuous personal and professional development opportunities
- Flexible travel and remote or hybrid work across Europe
- Stock Options Program for every team member
- Modern, friendly, and eco-conscious corporate culture
- Constant support and care
- Work & Swim Program: one month in a corporate apartment in Cyprus