Senior Credit Risk Manager

Aventus Group is an international fintech group with over 17 years of experience in building and scaling lending businesses across Europe, Africa, Asia, and Latin America. As we continue expanding our international lending operations, we are strengthening our Credit Risk function and looking for an experienced, hands-on Credit Risk Manager who enjoys combining deep analytical work with real business impact. This is not a purely managerial or governance-focused role. We're looking for someone who still enjoys working directly with data, improving credit decisions, challenging risk strategies, and building solutions that have an immediate impact on portfolio performance. What you'll do: Develop, improve, and validate credit risk models and decision strategies.Build and optimize credit policies, underwriting approaches, and scoring logic.Monitor portfolio performance and identify opportunities to improve portfolio quality and profitability.Perform hands-on analysis using SQL and Python.Work closely with Product, Business, Data, and Engineering teams to implement and improve risk solutions.Support lending expansion across multiple international markets.Contribute to building and scaling the Credit Risk function and mentor junior team members. We're looking for someone who has: 5+ years of experience in Credit Risk, Risk Modelling or Lending Analytics within fintech, digital lending or banking.Strong practical experience with credit scoring, underwriting, portfolio analytics and credit decision strategies.Advanced SQL and Python skills with the ability to work independently on analytical tasks.Experience developing, improving or validating credit risk models.Strong understanding of lending economics and portfolio performance.Ability to combine analytical thinking with business decision-making.English at B2 level or higher. Nice to have: Experience with SME, business lending, leasing, factoring or embedded finance.Experience launching new lending products or entering new markets.Previous leadership or mentoring experience. What we offer: Opportunity to influence credit risk decisions across international markets.High level of ownership and real impact on business development.International environment with experienced risk professionals.Flexible working model (Warsaw office or remote).Professional development, learning budget and career growth opportunities.Competitive compensation package with performance-based bonus. If you're the type of Credit Risk professional who still enjoys opening SQL, building models, improving decision logic, and seeing your work directly influence business results - we'd love to speak with you.