Head of Credit Management
B
BondoraFintech
RemoteFull-TimeManager
Salary not disclosed
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Job Details
- Required Skills
- SQLData AnalysisStakeholder management
Requirements
- Extensive experience leading consumer lending or credit portfolio teams within fintech, banking, or another credit-driven business.
- Proven success managing credit portfolios across multiple European markets with measurable business impact.
- Experience leading senior credit professionals and building high-performing teams.
- Solid understanding of portfolio economics and how credit decisions impact P&L.
- Experience using data to drive commercial decisions, including SQL or similar analytical tools.
- Knowledge of credit risk concepts such as PD, LGD, scorecards, and portfolio performance.
- Ability to work effectively with Credit Strategy, Risk Analytics, and Data Science teams.
- Strong stakeholder management, communication, and decision-making skills.
- Experience with Taktile or similar decision engine platforms (nice to have).
- Knowledge of IFRS 9 (nice to have).
- Experience with broker channel lending (nice to have).
Responsibilities
- Lead and develop Country Credit Managers across multiple European markets.
- Drive portfolio performance by balancing growth, profitability, and credit risk.
- Own the relationship between portfolio performance and commercial outcomes.
- Run regular business reviews with each market and ensure clear accountability for results.
- Identify risks and opportunities early, ensuring timely actions and decisions.
- Coach and support experienced credit leaders while fostering collaboration across markets.
- Review and challenge market proposals related to underwriting, portfolio growth, and policy changes.
- Represent country credit teams in cross-functional leadership discussions.
- Translate complex portfolio data into clear business recommendations for senior leadership.
- Partner with the Credit Strategy team to ensure global models and policies reflect local market realities.
- Contribute to new market launches and evaluate growth opportunities from both risk and commercial perspectives.
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