Head of Risk Management

We are Qualco Group, a leading fintech organisation with over 25 years of experience delivering innovative technology solutions to banks and financial institutions. Serving clients in over 30 countries, we leverage advanced technologies, such as AI and analytics, to develop proprietary software and platforms that accelerate digital transformation and generate lasting value for businesses, society, and the broader economy.  

As 
Head of Risk Management
, you will lead credit strategy and portfolio performance oversight across the entity. You'll own the design and execution of scalable, data-driven risk frameworks that fuel growth while protecting our capital.

You'll collaborate cross-functionally with other teams to strengthen our underwriting, exposure, fraud, and repayment strategies—balancing innovation with rigor and compliance. This is a senior, high-impact role well-suited for a strategic thinker with deep credit risk experience in fintech or lending.

Key Responsibilities:

• Own and evolve the risk strategy across the lifecycle: onboarding, limit assignment, early-stage collections, and default management;
• Partner with engineering and data teams to build resilient, automated decision systems;
• Develop and monitor risk KPIs across products and merchant portfolios;
• Guide the implementation of credit policies and early warning frameworks;
• Ensure strong regulatory and governance standards, working closely with legal and compliance leads;
• Represent the Risk function in cross-functional initiatives and leadership discussions;

• Lead, mentor, and grow a team of analysts and risk managers;

• Ensuring that all activities and duties are carried out in full compliance with regulatory requirements and supporting the continued implementation of the Group Anti-Bribery and Corruption Policy;

• Actively ensuring compliance with the Group's Anti-Bribery and Corruption Policy and all applicable regulations, identifying and reporting potential risks related to bribery and corruption, and promoting ethical behavior by participating in and encouraging continuous training and awareness initiatives.

Requirements

• Bachelor's degree in a quantitative field (e.g., Economics, Finance, Statistics, Engineering), advanced degree a plus;
• 12+ years of experience in consumer or SMB credit risk strategy at a fintech, bank, or credit-focused startup;
• Experience building and managing credit policies and decisioning for installment loans or revolving credit;
• Proficiency in SQL and data analytics; familiarity with Python or business intelligence tools is a plus;
• Proven ability to translate data into strategic decisions and communicate clearly with exec stakeholders;
• Familiarity with PSD2 requirements;
• Direct experience with BNPL, embedded finance, or POS lending;
• Excellent communication skills, both written and verbal, in Greek and English;
• Strong analytical acumen and data-driven decision-making approach;
• High integrity, professional skepticism, and independence;
• Experience in launching and scaling credit programs at early-stage fintechs.

Benefits

Your Life @ Qualco
As a #Qmember, you'll embody our values every day, fostering a culture of teamwork & integrity, passion for results, quality & excellence, client focus, and agility & innovation. Within a truly human-centred environment built on mutual respect and trust, your dedication to our shared vision will not only be recognized but also celebrated, offering boundless opportunities for your personal and professional growth.

Find out more about

Join the #Qteam and enjoy:

 Competitive compensation, Meal vouchers, and annual bonus programs.

 Cutting-edge IT equipment, mobile phone, and data plan.

 Modern facilities, free coffee, beverages, indoor parking, and in-house restaurant.

Private health insurance, occupational doctor, workplace counselor and nutritionist.

Onsite gym, wellness facilities, and ping pong room.

 Career and talent development tools.

 Mentoring, coaching, personalized annual learning, and development plan.

 Employee referral bonus, regular wellbeing, ESG, and volunteering activities. 

At QUALCO, we value diversity and inclusivity. Your race, gender identity and expression, age ethnicity or disability make no difference in Qualco. We want to attract, develop, promote, and retain the best people based only on their ability and behavior.

Application Note:
All CVs and application materials should be submitted in English.

Disclaimer:
QUALCO collects and processes personal data in accordance with the EU General Data Protection Regulation (GDPR). We are bound to use the information provided within your job application for recruitment purposes only and not to share these with any third parties. For more details on the processing of your personal data during the Recruitment procedure, please be informed in the Recruitment Notice, before the submission of your application.