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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 automated underwriting, risk models, and compliance with EMI/PS4 regulatory requirements. Proficient in collaborating with cross-functional teams to integrate risk into product design and strategy while leveraging advanced data analytics and machine learning techniques.
Highest-signal resume keywords
Credit Risk Framework DevelopmentAutomated Underwriting ExpertiseRisk Model ValidationEMI/PS4 Regulatory ComplianceStakeholder Alignment
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 Appetite FrameworksScoring ModelsPortfolio MonitoringData Strategy ArchitectureQuantitative AnalysisAI Tools UtilizationSME Lending ExpertiseCredit Card Risk ManagementStatistical Modeling
Soft Skills
CollaborationStakeholder ManagementLeadershipCommunicationProblem-Solving
Industry Keywords
FintechDigital BankingRisk GovernanceEuropean Regulatory FrameworksDNBECB/EBABaselCredit Monitoring SystemsEarly Warning IndicatorsQuantitative Finance
About the role
Key responsibilities & impact- Build and lead the credit risk framework for Finom’s SME Credit Cards/Overdraft products
- Oversee, build, 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 for credit cards, including 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 the ML & 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 Second Line of Defense, ensuring robust origination, monitoring, and collections processes
- Own and improve credit risk policies, risk appetite frameworks, and reporting
- Ensure alignment with EMI/PS4 regulatory requirements and evolving European standards
- Collaborate with the CRO, Product, ML & Data Science, Operations, and Engineering teams
Requirements
What you’ll need- 5+ years of experience in credit risk
- 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
- 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 resources and 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