Risk Director

Join the fintech revolution and be part of our leading team in the European consumer microcredit market!

At 4Finance Spain, we merge technological innovation with our extensive industry experience to achieve exceptional results. Do you want to be part of our success?

Functions :

Credit Policy & Approval Strategy

• Develop and continuously optimize credit approval strategies and decisioning frameworks (e.g., scorecards, segmentation, rules engines).
• Set and refine credit limits and exposure policies tailored to various customer segments.
• Oversee underwriting standards to balance risk and growth objectives.

Portfolio Risk Management

• Monitor and analyze portfolio performance metrics (delinquency, loss rates, vintage curves, etc.).
• Develop (create requirements) and maintain robust risk dashboards, reporting, and early warning systems.
• Identify trends, conduct root cause analysis, and implement corrective actions.

Model & Data Strategy

• Collaborate with data science to enhance risk models (e.g., credit scoring).
• Leverage internal and external data sources to improve predictive accuracy and customer insights.

Governance & Compliance

• Ensure alignment of risk policies with regulatory requirements and internal risk appetite.
• Support audit, compliance, and external regulatory interactions as needed.
• Create and maintain thorough documentation of all credit policies and procedures.

Team Leadership & Collaboration

• Lead and mentor a small high-performing risk team.
• Work cross-functionally with product, marketing, finance, analytics, collection and technology teams to align risk initiatives with business strategy.
• Present findings and recommendations to senior leadership and board-level stakeholders.

Qualifications:

• Bachelor's/Master's degree in finance, economics, mathematics, or a related field
• Fluent in Spanish and English
• Excellent analytical, problem-solving, and communication skills.
• Demonstrated leadership experience with the ability to influence at all levels of the organization.

Experience:

• Solid experience in credit risk management, preferably within fintech, consumer lending, or payday loan businesses. Candidates coming from banking sector are considered too.
• Strong knowledge of credit policy development, portfolio analytics, and risk systems.
• Proven experience with decision engines, scoring models, and credit bureau data.
• Must have a knowledge of SQL and Excel (pivot tables). Experience with Python or R would be nice to have as well although not necessary

What we offer

• Permanent contract at a well-established and constantly evolving fintech company.
• Hybrid work model with an office in Madrid.
• Access to a continius training program, including languages.
• Flexible compensation plan: restaurant, transportation.
• Private health insurance and life insurance.
• Positive, dynamic, and collaborative work environment.
• Corporate activities and team events throughout the year.
• Physical wellness programs with access to gyms and sports centers.
• A diverse, inclusive environment committed to equal opportunities.