Senior Credit Risk Manager

We are seeking an accomplished Credit Risk Management Leader to spearhead our credit risk strategy across markets. This individual will be responsible for defining and implementing a comprehensive credit decisioning framework, encompassing the selection and implementation of cutting-edge technology and data infrastructure.

The ideal candidate will possess a strong understanding of consumer credit regulations and a proven track record of driving proactive, data-driven approaches to credit and collections performance. This role requires excellent leadership skills, with the ability to develop and coach high-performing teams.

Key Responsibilities:

• Develop and implement a robust credit risk appetite framework, including exception governance and scorecard development
• Select, implement, and manage credit-decisioning platforms and data pipelines in collaboration with Product and Business Intelligence teams
• Design and implement collection strategies and tools across the full lifecycle, from early delinquency to legal recovery
• Develop predictive models to identify early warning signs of delinquency and non-payment
• Lead and develop credit and collections teams, setting key performance indicators (KPIs) and driving A/B tests on limits and repayment strategies
• Manage partnerships with credit bureaus, legal, and recovery vendors, ensuring service level agreements (SLAs) support fast and effective recoveries
• Maintain compliance with consumer credit, data protection, and anti-money laundering/know-your-customer (AML/KYC) regulations, partnering with Legal & Compliance on policies and audits

Requirements:

• Bachelor's in Finance, Economics, Engineering, or related field; MBA, CFA, FRM, or similar is a plus
• 5+ years of experience leading credit-risk and collections functions in automotive leasing, consumer finance, fintech, or retail banking, with multi-country scope preferred
• Strong proficiency in Excel and analytical skills to quickly understand and solve problems are essential
• Experience building statistical or machine learning scorecards, affordability models, and champion/challenger testing is highly valued
• Familiarity with SQL, Python, and BI tools is a plus
• Hands-on experience with decision engines and collections suites
• Strong understanding of European consumer credit and data privacy rules, with the ability to turn legal requirements into practical processes
• Proven leadership in building and coaching diverse, high-performing teams, with a strong data-driven approach
• Excellent command of English, both written and verbal, is mandatory; knowledge of Polish or Romanian is a plus

Benefits:

• Professional growth opportunities
• Group health insurance program
• Daily exposure to top-notch technologies, practices, and methodologies
• Unlimited support to achieve your personal aspirations
• A fun and dynamic work environment