Senior Risk Manager

Multitude is a listed European FinTech company, offering digital lending and online banking services to consumers, small and medium-sized businesses, and other FinTechs. The services are provided through three independent business units, which are served by our internal Banking-as-a-Service Growth Platform. Multitude’s business units are consumer banking (Ferratum), business banking (CapitalBox) and wholesale banking (Multitude Bank).

Multitude Group employs over 700 people in 25 countries and offers services in 16 countries, achieving a combined turnover of 212 million euros in 2022. Multitude was founded in Finland in 2005 and is listed on the Prime Standard segment of the Frankfurt Stock Exchange under the symbol 'FRU'. 

We are looking for a Senior Risk Manager to join our team.

Key responsibilities: 

• Analyze lending product portfolio on the credit risk perspective and look for profitable sales opportunities

• Support future risk management strategy and products offering with relevant analysis and insights

• Conduct projects related to data gathering and data pilots

• Document and suggest changes to policy rules and credit scoring strategy

• Work with large complex data sources such as financial transactions, credit bureau reports, marketing responses and CRM activity to extract meaning

• Suggest and implement improvements to internal reporting systems and KPIs

• Proactively provide data-driven insights and custom reports on critical areas of the business

• Monitor and manage assumed Credit Losses

• Support launch of new products

• Partner closely with local data providers

• Create Dashboards to enhance Credit Risk Monitoring

Requirements:

• Suitable education (BSc/MSc/PhD in Statistics, Mathematics, Engineering, Economics, Sciences or the equivalent)

• 3+ years of work experience related to credit risk management for various lending products (credit cards, instalment loans, wallet)

• Advanced SQL is a must

• Excel and data visualisation skills such as Power BI

• Comfort in communicating complex analyses

• Understanding and familiarity with credit bureau data

• Both spoken and written communication skills with experience in adapting your style and approach to the audience and message to be delivered.

• Experience in making timely and rational decisions, based on relevant information and experience, backed up by data.

• Working experience in an international environment

We offer:

• Internal Training (access to online learning with thousands of courses).

• Working in a hybrid flexible model.

• Urban sport card.

• Increased vacation days (starting with 24 days annual leave and one extra day per year of employment, up to 30 days per annum).

• Mental well-being support.

• Capital-formation saving plan (Vermögenswirksame Leistungen).

• A commuting allowance.

• Digital meal voucher.

• Share purchase matching program.

• Your assigned business laptop will be available for your free personal use, after the 5th year as part of the equipment renewal policy.