Manager of Commercial Credit Risk (Europe)

Join our global Credit Risk team as the Manager of Commercial Credit Risk (Europe). In this hands-on role, you will lead underwriting and credit operations across Europe, continuously improve workflows, and partner with operational teams. You will also own ongoing monitoring of portfolio performance, drive the evolution of underwriting policies, and identify opportunities for automation and data analytics. This position offers a range of benefits, including parental leave, healthcare, flexible vacation, and a 401k retirement plan.

• Lead underwriting and credit operations across Europe, making complex underwriting decisions and shaping credit strategy.
• Continuously improve workflows, partner with operational teams, and help build scalable processes that enable the business to grow responsibly.
• Own ongoing monitoring of portfolio performance across Europe, identifying emerging risks and providing actionable insights to leadership.
• If you enjoy balancing analytical rigor with commercial judgment—and want to influence both individual credit decisions and the systems behind them—we'd love to meet you
• Hands-on experience in a fintech/ startup environment
• Multilingual fluency is strongly preferred
• Strong partnership skills and proven success in working with business partners in sales, client management, product and operations
• Demonstrated ability to balance strategic thinking with operational execution in a fast-paced environment
• Hands-on experience in development of credit risk management policy and expertise in credit approval framework and policy
• Experience in leveraging internal portfolio, macroeconomic, industry and external data in the development of risk appetite frameworks, credit policies and forward-looking forecasts
• Proven ability to manage competing priorities and make sound decisions in a high-volume, fast-paced environment
• Very strong analytical experience
• Analytics experience in working with financial and/ or transactional data
• 5+ years of commercial credit underwriting, ratings or related functional experience
• Experience underwriting businesses across multiple European jurisdictions, with a strong understanding of differences in financial reporting, bureau data and local business practices
• Commercial card, B2B credit and or travel industry credit risk management is a plus