Here are just a few of the things you’ll do in this role:
Own credit and fraud risk end-to-end
You will be responsible for the overall risk strategy across SME lending- covering credit risk, fraud risk, and their interaction across the full customer lifecycle (onboarding, underwriting, renewals, and portfolio monitoring).
Design and scale automated risk decisioning
You will lead the development and evolution of automated credit decisioning, working with modern risk engines and orchestration tools (e.g. Provenir, Taktile, Oscilar, or similar systems) to balance speed, accuracy, and risk outcomes.
Be the SME risk authority for Germany, Netherlands, Austria, Belgium & the UK
You will bring deep knowledge of the German SME landscape, translating market realities into robust risk policies, scorecards, and decision rules. Netherlands, Austria, Belgium & the UK will also be included in your remit.
Build and refine risk frameworks
From eligibility criteria and risk segmentation to limits, pricing inputs, and exception handling - you will ensure our frameworks are clear, scalable, and well-governed.
Partner closely with Product & Data
You’ll work hand-in-hand with product managers, engineers, and data to embed risk logic into user journeys, APIs, and workflows, ensuring risk is a product enabler - not a blocker.
Stay close to the details
Despite the seniority of the role, you remain hands-on: reviewing complex or high-risk cases, deep-diving into financials, and investigating edge cases or emerging risk patterns.
Monitor and manage portfolio performance
You’ll track portfolio KPIs, loss drivers, and early warning signals, using insights to iterate on models, rules, and policies.
Be a trusted internal risk partner
You’ll collaborate with commercial, operations, finance, and leadership teams, clearly explaining trade-offs and aligning risk appetite with business objectives.
Who we’re looking for
We’re looking for a senior risk professional who combines deep credit expertise with modern, tech-enabled thinking.
✅ Must: 7+ years of experience in credit risk / underwriting for SMEs, ideally within fintech, banking, leasing, or asset-backed finance.
✅ Must: Proven experience owning or leading credit risk frameworks, policies, or portfolios.
✅ Must: Hands-on familiarity with automated credit decisioning systems such as Provenir, Taktile, Oscilar, or comparable rule engines / orchestration platforms.
Deep understanding of financial and non-financial SME risk - including cash flows, leverage, collateral, sector risk, customer concentration, and business models.
Strong knowledge of the German, Austrian, Belgian, Dutch and UK SME market and local risk drivers.
Comfortable working with data, metrics, and models, including Excel and BI tools; ability to reason about model outputs and rule logic.
You can communicate complex risk topics clearly to both technical and non-technical stakeholders.
You are structured, decisive, and comfortable making trade-offs in fast-moving environments.
Nice to have
Experience with asset-backed financing, leasing, or equipment finance
Experience collaborating with data science teams on scorecards or ML-based models
Fluent German (spoken and written) and strong professional English.
Working knowledge of SQL
Previous experience in a scaling fintech or startup environment
You will fit right in if you enjoy
Thinking in systems and portfolios – not just single decisions, but how risk behaves at scale over time.
Using data to challenge intuition – and intuition to challenge data.
⚙️ Building things that last – clear policies, clean decision flows, and scalable automation.
Operating in fast-moving environments – where pragmatism matters as much as precision.
Being a business partner – aligning risk, growth, and customer experience.
