Head of Credit & Risk Operations

Role Overview

• Own and develop the credit decisioning and credit management processes end-to-end, with a focus on scalable, data-driven decisioning.
• Lead and drive the KYC, transaction monitoring, and Financial Crime agenda, ensuring effective and scalable processes for customer due diligence, anti-money laundering, and ongoing monitoring.
• Lead, mentor, and scale the credit and onboarding teams, fostering a culture of high performance and continuous learning.
• Serve as the Chairman of the Credit Committee and present credit-related matters, risk exposure, and FinCrime status to the Board.
• Drive the improvement and automation of credit processes and models (PD-scoring, financial modeling, etc.) to support profitable growth.
• Ensure full regulatory compliance within the credit area (IFRS, local regulations) and stay ahead of evolving AML/CTF requirements across relevant European markets.
• Partner closely with the sales and product teams to find the "sweet spot" between risk appetite and business opportunity.

Requirements

• Proven track record in a senior credit leadership role (CCO or Head of Credit) within a bank or credit market company, including prior people management responsibility.
• Deep experience in B2B / corporate lending is a must. You have worked with larger ticket sizes (typically 5M+ SEK), not consumer lending or small-ticket credit.
• Experience working with European credit markets beyond Sweden, with an understanding of cross-border lending dynamics and regulatory considerations.
• Strong understanding of KYC, AML, and transaction monitoring frameworks, and how to implement them effectively in a digital-first bank.
• Experience working in a startup or high-growth tech environment. You understand how to build processes from the ground up.
• Strong understanding of credit risk models, data analysis, and how to utilize AI/ML to enhance decision-making.
• Fluent in Swedish and English, with the ability to communicate complex risk topics clearly to diverse stakeholders.

Benefits

• We work hybrid. We'll see you in one of our offices in Stockholm or Gothenburg at least two days per week.
• Swap 2D for 3D. Meet all Junis IRL at the company onsite each year.
• Diversity is at our core. We're part Swedish. Part Canadian. Part French. Part Indian. Part Italian. Part British. Part Portuguese. You get the idea.
• Great players can stay great players. Progress your career whether you choose to manage people or not.
• Stock options. We can’t promise you’ll make a fortune. But we’ll give it our very best shot.
• Vacation days. 30 days. Awesome.
• Private Health insurance. You know. Just in case.
• Beautiful offices in central Gothenburg and Stockholm, front row sea view!