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, governance, and portfolio monitoring. Focus on building a portfolio management team, evolving risk appetite for corporate features, and optimizing portfolio returns through advanced risk models.

Location: Must be based in Poland, Portugal, Spain, UAE, or the UK. Hybrid options available in Barcelona, Dubai, Krakow, Lisbon, London, and Madrid.

Salary: PLN 33,000 - 38,900 gross monthly (for Poland); other locations discussed during interview.

Company

A global financial super app providing spending, saving, investing, and exchanging services to over 75 million customers worldwide.

What you will do

• Design a globally scalable risk framework, establishing governance structures and strengthening risk culture.
• Collaborate with Data Science and Engineering to create origination, monitoring, provisioning, and collections risk models.
• Build and lead a portfolio management team focusing on receivables and payables finance.
• 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.
• Maintain strategic relationships with the second and third lines of defence (2LoD/3LoD).

Requirements

• Expertise in managing credit risk for mid-market products.
• Proven experience building and scaling teams from scratch to support business growth.
• Solid understanding of credit policy governance and effective collaboration with 2LoD and 3LoD.
• Experience in risk and fraud identification, monitoring, and control implementation.
• Strong analytical skills and the ability to communicate complex concepts concisely.
• Must be based in or have work authorization for Poland, Portugal, Spain, UAE, or the UK.

Nice to have

• Experience with trade finance products.

Culture & Benefits

• Certified Great Place to Work™ with a strong focus on employee experience.
• Inclusive and diverse multicultural environment supported by a dedicated D&I Framework.
• Opportunity to work in a fast-growing company redefining the future of finance.
• Flexible work arrangements across multiple global hubs.