Head of Risk (Non-Retail) (Fintech)

TL;DR

Head of Risk (Non-Retail) (Fintech): Designing and implementing a globally scalable risk management framework for non-retail products with an accent on credit risk and portfolio management. Focus on building a portfolio management team, defining risk appetite for mid-market and corporate features, and optimizing portfolio returns through risk models.

Location: Remote from Poland, Portugal, Spain, UAE, UK or Hybrid from Barcelona, Dubai, Krakow, Lisbon, London, Madrid

Salary: PLN 33,000 - 38,900 gross monthly (for Poland/Krakow)

Company

Global financial super app providing spending, saving, investing, and travelling services to over 75 million customers worldwide.

What you will do

• Design a globally scalable risk framework, establishing governance structures and strengthening risk culture across the business.
• Collaborate with Data Science and Engineering teams to create risk models for origination, monitoring, provisioning, and collections.
• Build and lead a portfolio management team, initially focusing on receivables and payables finance.
• Shape local in-country credit policies and procedures to maximize portfolio-level economic returns.
• Define and evolve the risk appetite for mid-market, corporate, and enterprise features.
• Make key underwriting decisions for significant exposures and represent the first-line team on risk committees.

Requirements

• Expertise in managing credit risk for mid-market products.
• Proven ability to build and scale a team from scratch.
• Solid understanding of credit policy governance and experience working with 2LoD and 3LoD.
• Experience in risk and fraud identification, monitoring, control implementation, and testing.
• Strategic planning skills and the ability to manage complex interdependencies.
• Excellent communication and analytical problem-solving skills.

Nice to have

• Experience with trade finance products.

Culture & Benefits

• Certified Great Place to Work™.
• Inclusive workplace with a dedicated D&I Framework.
• Opportunity to work in a multicultural, high-growth environment.
• Flexible work arrangements including remote and hybrid options.