Position title
Head of Credit Risk

smeGo

Description

The creation and development of financing products is an interesting and versatile process. We are currently looking for a Head of Credit Risk – owner of the function, who would be a great leader and able not only to manage the function but also to do daily ‘hands-on’ tasks in credit control and operations field development.

Responsibilities
  • Serve as a chairman member of the Credit Committee, contributing expertise on complex or high-exposure lending decisions;
  • Develop and implement the policies and procedures to mitigate the credit risks within the business;
  • Develop risk maps and action plans to mitigate financial and non-financial risks;
  • Ensure that appropriate internal documentation is raised and applied through all companies departments so that lending/payments products are processed accurately and timeously in line with internal procedures, policies and strategies;
  • Monitor and report business documentation, lending portfolio in the business lines and provide guidance to senior management on risk triggers, limits and actions;
  • Develop and monitor credit risks and key risk indicators;
  • Provide supporting documentation and assistance within internal and external audits;
  • Identify areas for process improvements;
  • Escalate and inform about operational and credit risks breaches;
  • Participate in developing new financial products, where relevant;
  • Assist the CRO, CLO and Head of Operations in development and review of Policies, Standards, Administration and Monitoring documentation.
Qualifications
  • A degree in business administration in either of Finance, Business, Economics, Mathematics / Statistics;
  • At least 5 years of similar working experience within the fintech or bank;
  • In-depth knowledge of relevant regulatory and legal framework;
  • Very good understanding of lending, payments, banking, operations, risk processes;
  • Understanding of risk identification and measurement concepts (PD and LGD);
  • Strong understanding of risk and operations management principles;
  • Strong understanding of the legal complexities of lending and payments in fintech and /or banking field;
  • Proficient with Microsoft Office;
  • Good English and Lithuanian language skills.
Job Benefits
  • Paid vacation as per the company's time-off policy, with an extra day off on birthday, additional days based on tenure, self-learning time for your development, and a paid trust day annually for personal use;
  • Private health insurance (activated post-trial period);
  • Workplace flexibility;
  • A culture of recognition, with prizes, rewards, paid trips, gifts, and individual/team awards;
  • Branded birthday gifts, financial support for weddings and newborns, along with extra time off. We provide compassionate time off and financial support during challenging times;
  • Company events and activities biannually.

smeGo is a pan-European financial service platform for established SMEs.

Employment Type
Full-time, Hybrid
Industry
Financial Services
Job Location
Vilnius, Vilniaus, Lithuania
Base Salary
€4000 Per month
Date posted
January 21, 2025
Valid through
February 21, 2025
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