Credit Risk Manager (SME Lending)

Finom is a fast-growing European fintech startup dedicated to revolutionizing financial management for entrepreneurs. We are building an all-in-one B2B platform that integrates banking, accounting, and invoicing, and we are currently seeking a Credit Risk Manager to lead our SME lending strategy and build a best-in-class credit risk engine.

Key responsibilities

• Develop and own the end-to-end credit risk framework for credit cards, including underwriting, scoring models, and risk appetite.
• Partner with Product and Engineering teams to embed robust risk management into product design and strategy.
• Architect a comprehensive data strategy utilizing transactional, behavioral, and external registry data.
• Guide the Machine Learning and Data Science teams in building and validating advanced credit scoring models.
• Act as a strong Second Line of Defense, ensuring compliance with regulatory requirements and evolving European standards.

Requirements

• 5+ years of experience in credit risk, specifically within SME lending and credit card environments.
• Strong expertise in automated underwriting, risk models, and digital banking platforms.
• A STEM or quantitative degree such as physics, mathematics, statistics, or econometrics.
• An AI-native mindset with the ability to leverage modern tools to enhance productivity and decision-making.
• Excellent collaboration skills to align diverse stakeholders across Product, Legal, and Engineering.

What we offer

• The opportunity to make a genuine impact on a rapidly evolving financial product.
• Participation in our Stock Options Program to align your success with the company's growth.
• Access to continuous personal and professional development resources.
• Participation in our unique Work & Swim program, offering a month of remote work in Cyprus.
• A supportive, modern, and inclusive corporate culture that values diversity and employee well-being.