As a Risk Manager for our B2B Credit Product, you will play a critical role in building and leading the risk management framework for our SME credit offering. Joining us at the start of this exciting journey, you’ll be responsible for ensuring the success and sustainability of our innovative credit product by developing robust risk models, driving strategic initiatives, and leading cross-functional projects. This is a unique opportunity to contribute to a product that empowers small businesses across Europe.

Risk Analysis & Management

• Develop and oversee credit risk models and frameworks tailored to B2B credit, ensuring alignment with company objectives and regulatory requirements.

• Analyze credit performance data to identify risks and recommend mitigation strategies.

• Establish and monitor key risk indicators (KRIs) to ensure proactive risk identification and management.

• Lead the development of policies and procedures for credit risk assessment, underwriting, and ongoing monitoring.

Leadership & Collaboration

• Manage and mentor a growing team of analysts and specialists to deliver risk-related goals effectively.

• Collaborate with cross-functional teams, including Compliance, Product Development, and Data Science, to integrate risk considerations into product design and operations.

• Partner with external stakeholders, including funding partners and regulators, to align risk practices with expectations and requirements.

Strategic Initiatives & Project Management

• Lead projects to improve risk models, collection processes, and data usage, ensuring timely execution and delivery.

• Evaluate and integrate new data sources (e.g., open banking, credit registries) to enhance risk assessment accuracy.

• Drive the implementation of risk management tools and platforms to streamline processes and improve decision-making.

• 5+ years of experience in risk management, including experience with SME or B2B credit products.

• Strong knowledge of credit risk modeling, underwriting processes, and financial risk management principles.

• Proven track record of leading projects and managing teams in a high-growth or fintech environment.

• Proficiency in data analysis tools, including Python, SQL, and BI platforms, to generate insights and support decision-making.

• Experience working with PSD2 open banking APIs and SME-specific data sources is a plus.

• Excellent communication and interpersonal skills to work effectively with internal teams, partners, and regulators.

• Fluency in English (written and verbal); additional EU languages are a plus.

• We have a Hybrid model in one of our offices (Berlin and Limassol) or fully remote outside office locations.
• We support relocation (visa, package) to Cyprus.
• This is a senior-level position with a competitive salary and benefits package (depending on location).
• Real growth opportunities, lots of responsibility, and impact from day one!
• Participation in our Stock Options Program.
• If you're looking for an exciting new opportunity to make an impact in the world of finance, Vivid is the perfect place for you. Join our talented team of professionals and help us revolutionize how people think about their money!