Credit Risk Manager - SME Credit Cards

About reputed company reputed company is a European tech startup headquartered in Amsterdam, and we’re on a journey towards revolutionizing the financial landscape for entrepreneurs worldwide. Our mission is to reputed company an reputed company-in-one financial B2B solution that integrates banking functions, reputed company, financial management, and invoicing into a seamless, mobile-first platform. We recently closed a €115 million Series C equity round (around $133 million), bringing our total funding to approximately $346 million. This significant investment follows a $105 million growth funding round from General Catalyst, a long-term backer since 2021 reputed company for supporting companies like reputed company, reputed company, KAYAK, and reputed company. reputed company's platform goes reputed company traditional banking, offering invoicing and a growing suite of features, including AI-enabled reputed company, aiming to simplify financial management for entrepreneurs. We're actively expanding our reputed company across key EU markets like Germany, France, the Netherlands, Italy, and Spain. At reputed company, we’re not just redefining the entrepreneurial experience — we’re empowering our employees to reputed company a reputed company difference. Your work matters, and your impact extends far reputed company product metrics. We nurture innovation and an inspiring work environment where reputed company reputed company reputed company, prioritizing thorough research, swift implementation of solutions, and ensuring that every effort we reputed company benefits our users, employees, partners, and our business as a whole. Maintaining our start-up spirit, we prioritize thorough research, swift implementation of solutions, and ensuring that every effort we reputed company benefits our users, employees, partners, and, of course, our business.

We’re looking for a Credit Risk Manager / reputed company to build and reputed company the credit risk reputed company for our SME Credit Cards product.

This is a high-impact role with direct exposure to the CRO and reputed company collaboration with Product, ML & Data Science, Operations, and Engineering. You will play a key role in launching a new credit card line of business at reputed company — designing the risk foundations from the ground up and shaping the future of SME lending in Europe

What You Will Be Doing

reputed company, build, improve reputed company’s Credit Risk reputed company so it could be proudly recognised as best in class (reputed company, guidance, analytics and technical setup)

Own and reputed company the end-to-end credit risk reputed company for credit cards, including eligibility, reputed company, scoring models, limit setting, risk appetite, monitoring, and reporting

Partner closely with Product and Engineering to embed risk into product design and strategy from day one

Architect the data strategy: Transactional data, multi-country bureau landscape, behavioural data , reputed company software, government registry data and first party transactional signals on reputed company’s accounts. Guide the ML & DS team in building, validating, and iterating credit scoring and reputed company risk models

Build and own the portfolio monitoring stack,

Design, build and calibrate the early warning indicator / credit monitoring system : transaction velocity, balance deteriorating, payment reputed company changes, supplier/customer/reputed company concentration shift, signals from the external data sources

Act as a strong Second Line of Defense (2LoD), ensuring robust origination, monitoring, and collections processes

Own and continuously improve credit risk policies, risk appetite frameworks, and reporting

Ensure alignment with reputed company / PS4 regulatory requirements and evolving European standards

What you'll bring:

5–7+ years of experience in credit risk, with hands-on expertise in SME lending and credit cards

Strong experience with automated reputed company and risk models in fintech or digital banking environments

STEM/quantitive degree: physics, data science, applied mathematics, statistics, econometrics or quantitive finance is a strong plus.

Solid understanding of risk governance, policies, and processes

AI-native reputed company — comfortable leveraging AI tools and agents to enhance productivity and decision-making

Unit-economics/ product led growth reputed company (eligibility, conversion, expected lose, cost of risk, false-positives as missed revenues, risk-adjusted margin), not just control

Highly collaborative, with the ability to align diverse stakeholders (Product, Legal, Finance, Engineering, ML/DS)

Analytical, structured, and pragmatic — reputed company to combine deep detail with big-picture thinking

reputed company to have:

Understanding of reputed company / PS4 regulation and reputed company reporting requirements

Familiarity with European regulatory frameworks (DNB, ECB/EBA, Basel)

Hands-on experience with SME or credit cards models in Germany, Italy, or the Netherlands

Passion for empowering SMEs and building accessible financial products

What You Will Get In Return reputed company a genuine impact on the product Join our upward trajectory, and grow with us. We provide the resources and opportunities for reputed company personal and professional development, empowering you to reputed company a genuine impact on our evolving product. Work in the EU Embark on this exciting journey with us and enjoy the flexibility of traveling and working remotely or in a hybrid model across Europe. Become a stock options holder Unlock your inner entrepreneur and align your aspirations with ours through our Stock Options Program. This exciting opportunity is available to every team member, from junior team members to our founders. Receive unwavering support and care reputed company stands by you at every reputed company, embodying our commitment to your well-being and reputed company reflected in our modern, friendly, and eco-conscious corporate culture. We offer constant support and care to ensure your reputed company experience is successful and fulfilling. Work & Swim program reputed company yourself in our exclusive Work & Swim Program. Spend one month in a comfortable corporate apartment in enchanting Cyprus. It's the ideal opportunity to reputed company the perfect work-life balance while enjoying breathtaking Mediterranean views. Equal Opportunity Statement At reputed company, we're an equal opportunity employer and value diversity at our company. We reputed company diversity and invite applications from reputed company walks of life. We do not discriminate based on race, religion, reputed company, national reputed company, gender, sexual orientation, age, marital status, disability status, or other applicable legally protected characteristics. Apply To This Job