Credit Risks Business Lead

Your Role:
You are an experienced credit risk manager with extensive expertise in credit card lending, adept in navigating and applying expert rules and advanced strategies specific to the credit card sector. You will take ownership of developing and implementing credit risk frameworks, strategies, and systems to ensure risk-adjusted profitability and regulatory compliance while enhancing the customer experience.
What You Will Be Doing:

• Develop, update, and implement credit risk strategies, policies, and procedures, ensuring alignment with market conditions and regulatory requirements.


• Design and implement a credit decision-making system that optimizes risk assessment and customer experience.


• Develop scoring models and expert-based rules for credit decisions.


• Analyze and evaluate new data sources, adjusting how existing data is utilized in decision-making.


• Develop and implement risk mitigation strategies, including credit limits, pricing recommendations, and credit terms.


• Collaborate with product, legal, and finance teams to ensure effective credit risk management.


• Oversee the loan loss provisioning process.


• Monitor regulatory changes and adapt policies and procedures accordingly.


• Engage with third-party providers such as credit bureaus, account aggregators, etc.


• Build and optimize a credit portfolio management system, ensuring long-term stability and risk-adjusted profitability.

Who You Are:

• A self-starter, who doesn’t take “No” as an answer, result-oriented, open and honest.


• High energy level and positive attitude.


• Structured thinker who enjoys solving problems.


• Good communicator and presenter.


• Strongly analytical and a critical thinker.


• Deeply understand financial analysis, accounting and economics.

Your Experience:

• 5+ years of experience in credit risk management in credit cards at a bank or fintech.


• Expert in developing and applying effective decision-making frameworks within the credit card sector, significantly enhancing risk assessment capabilities and improving customer experience.


• Advanced degree in finance, economics or accounting.


• Preferably experience in a start-up / fast-paced environment.


• Deep understanding of international regulations in consumer lending.


• Fluent in English.

What we are offering

• Competitive salary negotiable depending on the candidate level


• Share options


• We are still a start-up and more benefits are on the way

About Fintech Farm
We are a UK fintech creating successful neobanks in emerging markets in partnerships with local traditional banks. The mission is to make banking services accessible, simple and fun to use worldwide and the goal is to launch neobanks in 50+ markets, serving 100m+ customers.
Our success builds upon a best-in-class product, customer experience, emotional engagement, viral marketing and deep credit-decisioning expertise across our product suite covering credit, payments, savings and investments. One of our founders also previously co-founded a highly successful Eastern European neobank (Monobank) with 10m+ customers.
Since our foundation in 2020, we’ve so far launched neobanks in Azerbaijan (2021), Vietnam (2023), Kyrgyzstan (2024) and India (2025), with 2m+ customers collectively and have more markets on the near horizon!
Why Fintech Farm is a great place to be
Our ambition. We are looking to become a leading consumer digital bank brand in each market we operate, making it easy for consumers to interact with their money. You could be a part of this exciting journey.
Our culture.
Customers. We always go above and beyond to provide an amazing customer experience. We serve our customers the way we would want our mom to be served. And who said that banking has to be boring? We make our apps not just easy but fun to use.
People. We have 250 employees now at Fintech Farm and we are all business partners in our company. Each of us thinks big, acts as if we own the place and never takes “no” for an answer. We work with strong individuals whom we empower and trust rather than micromanage. Common sense rather than formal policies prevails in all that we do. We always stay curious and open-minded. We embrace the we over me culture.