Finom

Manager

• 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

Credit Risk Manager – Digital SME Lending, Credit Cards

• 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

• Build and run Finom's treasury function
• Manage daily liquidity positioning and float across entities and accounts
• Fund payment channels intraday and manage nostro and correspondent accounts
• Manage collateral and minimum-balance obligations across card schemes, T2, and credit providers
• Develop and test contingency funding plans
• Maintain a reconciled daily treasury balance sheet covering net liquidity and net capital
• Manage safeguarded client-fund portfolios, including term deposits, MMFs, and short-dated debt
• Detect safeguarding shortfalls and execute top-ups while maintaining same-currency discipline
• Screen instruments under CRR, maturity, WAL, UCITS, and MMF constraints
• Validate externally managed allocations through position-level look-through and daily monitoring
• Forecast, attribute, and report NII; provide treasury inputs to financial models and company forecasts
• Own investment policy, limit framework, eligible-instrument register, and treasury governance
• Conduct pre-deal checks and post-trade evidencing
• Track covenants and engage regulators, external auditors, and second-line stakeholders
• Select and implement investment accounting and treasury tooling, including a Clearwater/Advent-class implementation
• Integrate custodian, asset-manager, and bank data feeds and replace manual spreadsheet processes
• Manage bank, custodian, broker, and asset-manager relationships, including commercial terms and mandate setting
• Challenge managers on allocation, transparency, and fees

Senior Treasury Manager

General Counsel

• Own the day-to-day legal queue
• Draft, review, and negotiate NDAs and standard commercial agreements, including partnership agreements, amendments, renewals, order forms, SOWs, and subscriptions
• Answer legal and contract queries from HR, Finance, Marketing, Procurement, IT, and other business teams
• Handle standard vendor engagements and draft DPAs using established playbooks
• Own data subject access requests and other data subject rights requests
• Review vendor DPAs and standard clauses and conduct transfer and one-time assessments
• Maintain privacy records, including the RoPA
• Prepare standard employment documentation and respond to routine HR queries
• Support corporate housekeeping and prepare corporate documents for senior review
• Review marketing and content for claims, disclaimers, and third-party IP
• Provide first-pass legal answers and research to non-lawyers, resolving in-scope matters and escalating complex issues
• Maintain contract registers, trackers, the PoA register, template library, Jira, Zip, and Google Drive records
• Build and maintain templates, playbooks, and FAQs
• Report directly to the Head of Corporate Legal Affairs and work with a small senior legal team

Credit Risk Manager – Digital SME Lending, Credit Cards

Credit Risk Manager – Digital SME Lending, Credit Cards

Senior Treasury Manager

Junior Legal Counsel