Credit Risk Manager – Digital SME Lending, Credit Cards

Finom

. Build and lead the credit risk framework for SME credit cards and overdraft products .

Posted 9/22/2026full-timeRemote • Spain, Poland, NetherlandsMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in building and leading credit risk frameworks, with a strong focus on SME lending and credit card products. Proficient in developing risk models, monitoring systems, and ensuring compliance with EMI/PS4 regulatory requirements.

Highest-signal resume keywords

Credit Risk Framework DevelopmentAutomated Underwriting ExpertiseRisk Model ValidationStakeholder AlignmentRegulatory Compliance Knowledge

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk AnalysisSME LendingRisk GovernanceData Strategy ArchitectureCredit Scoring ModelsPortfolio MonitoringEarly-Warning IndicatorsQuantitative AnalysisStatistical ModelingAI Tools Utilization

Soft Skills

CollaborationStakeholder ManagementLeadershipCommunicationProblem-Solving

Industry Keywords

FintechDigital BankingEMI RegulationPS4 RegulationEuropean StandardsBasel FrameworkDNBECBEBACredit Card Products

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 its 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 data
Guide the ML and Data Science team 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 with Product, ML & Data Science, Operations, and Engineering, with direct exposure to the CRO

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
Comfortable leveraging AI tools and agents to enhance productivity and decision-making
Unit-economics/product-led-growth mindset
Ability to align diverse stakeholders across Product, Legal, Finance, Engineering, and ML/DS
Understanding of EMI/PS4 regulation and related reporting requirements is nice to have
Familiarity with European regulatory frameworks (DNB, ECB/EBA, Basel) is nice to have
Hands-on experience with SME or credit card models in Germany, Italy, or the Netherlands is nice to have

Benefits

Comp & perks

Continuous personal and professional development opportunities
Flexibility to travel and work remotely or in a hybrid model across Europe
Stock Options Program available to 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