Credit Risk

Company Description

Finloup is among the fastest-growing fintech startups in Greece, offering leasing of high-end electronics to all types of businesses.

Technology leasing is a financially inclusive and environmentally friendly solution, as it extends the life cycle of electronics and enables customers to access the latest tech affordably. Businesses lease the latest tech products, use them as long as they want, and then return them to us. We give them a fresh touch and send them off to their next users.

Our main pillars are sustainability and financial inclusion through the circular economy consumption model. Join our team and gain hands-on experience in operations while having the chance to impact our business and the environment positively.

Role Description

We are seeking a
detail-obsessed Credit Risk & Receivables Officer
to join our team and keep our
credit quality
and
collections
in top shape. This role blends analytical credit underwriting with hands-on receivables management, ensuring we approve the right customers, reduce risk, and maintain healthy cashflow.

The primary focus of this position is to
evaluate and finalize leasing applications
,
continuously improve our credit risk assessment policies
, and
support timely collections
through clear, professional communication.

Key Responsibilities

• Evaluate creditworthiness of leasing applications through analysis of financial data, credit checks, and supporting documentation.
• Review, assess, and finalize leasing applications, including approvals, rejections, or counter-offers, in line with company policies.
• Brainstorm, discuss, fine-tune, and implement new ideas for innovative credit risk assessment policies.
• Handle both inbound and outbound calls to address payment inquiries, ensure timely collection of overdue payments, and negotiate payment arrangements.
• Maintain accurate records of credit assessments, collection activities, and client interactions.

In particular, we're looking for

• BSc in Finance, Economics, or an alternative quantitative background.
• Minimum 2 years of relevant working experience in a similar role.
• Experience with Microsoft Excel and an ERP system will be considered an asset.
• Good command of English, both written and verbal.
• Strong analytical, communication, and organizational skills.
• Ability to perform under pressure and meet tight deadlines.

What we'll value

• Sound judgment and comfort making decisions based on data.
• Clear, efficient, respectful communication.
• A continuous-improvement mindset: spotting what can be better and helping implement practical fixes.

During your work with us, you will earn

• Competitive salary
• With sufficient tenure, stock options (we own what we build)
• Private health insurance
• Company laptop
• Company mobile plan and special prices for our leasing plans
• Paid time off on your birthday
• Yearly learning budget and a transparent path to more ownership, based on performance
• Hybrid working model
• Valuable experience in a high-growth startup alongside young, motivated, and passionate teammates.

What you can expect from our process

• 45-minute Teams call with our Chief Risk and Data Science Officer, Kyriakos
• 60-minute on-site meeting & case study at our offices. You'll be given a case to prepare and present; this is your opportunity to showcase your skills and approach. During this meeting, you'll also meet with the founding team to discuss culture fit and vision.
• Final decision & offer communicated shortly after the process concludes.

We'd like to meet you if you've been excitedly nodding while reading all these.

We are committed to equal employment opportunity regardless of race, color, national origin, ethnicity, gender, age, disability, sexual orientation, gender identity, or religion.