Drive profitable customer growth while effectively managing credit, fraud and operational risk — balancing performance, scalability, and customer experience.
Shape and own credit risk strategy: Design, own and continuously evolve the end-to-end credit strategy for the Czech digital business.
Apply a test-and-learn mindset, quickly tightening, relaxing or challenging strategies in line with business needs.
Analyze complex performance data to identify trends, risks and growth opportunities across the credit lifecycle.
Shape the acquisition journey to be as frictionless as possible while maintaining high credit quality standards.
Lead underwriting strategy and operations, ensuring high-quality decisions and cost efficiency.
Own collections strategy and operations, building strong partnerships with internal stakeholders and external providers (credit bureaus, fraud and data partners).

Fluent business English and Czech (written and spoken).
Strong analytical and numerical skills, with the ability to interpret complex data and prioritise actions.
High ownership mindset — spotting issues and opportunities and acting on them quickly.
Ability to influence, challenge and collaborate effectively with diverse stakeholders.
Creative problem-solver with a curious, improvement-driven mindset.
Practical experience with SQL and hands-on analytical work.
Flexible and willing to roll up your sleeves when needed.
Broad knowledge of credit risk, ideally gained in an online or digital lending environment.
Strong understanding of consumer credit regulations and legal requirements.
Solid knowledge of credit scoring, analytics, credit systems and decisioning processes.
Knowledge of collections systems and processes (desirable).
Experience with fraud management, ideally in a digital context.
Understanding of tools and technologies supporting credit risk management.

30 days of vacation: you have a whole month off to relax and travel!
Flexible working hours
with a shorter weekly commitment of 37.5 hours
Volunteer days: 2 days off per year that you can donate to charity
Discount system with our partners
Family leave: extra 3 days of paid leave for new fathers
Move your body, clear your mind – choose the benefits from our cafeteria system that suit you
culture, sports, or health
Meal allowance: extra money for food (meal voucher flat rate)
Brand-new office in a prime location – work at The Square in Prague 4 with excellent transportation accessibility.

Credit Risk Manager

Key skills