Head of Credit Risk

👩‍💻👨‍💻 About the role

Mondu is the leading B2B payments provider in Europe. Available in 31+ countries, trusted by the most ambitious companies, and with an EMI license, we are aggressively expanding our commercial footprint in Europe.

We are looking for an experienced and strategic Head of Credit Risk to oversee and continuously optimise our credit risk frameworks, policies, and portfolio performance across Europe.

This role sits at the intersection of risk, data science, and commercial strategy, playing a critical role in ensuring sustainable and profitable growth for our B2B Payments solutions. Reporting directly to the Chief Risk Officer, you will have ownership over credit performance, risk appetite setting, and portfolio steering, with direct impact on our bottom line and investor confidence.

🚧 What you’ll do

• Lead the design, implementation, and continuous refinement of credit risk frameworks, policies, and strategies for our B2B portfolios across Europe.
• Own and manage the monitoring and reporting of portfolio performance (loss rates, exposure at default, recovery rates, etc.), providing insights and recommendations to senior leadership and investors.
• Establish and manage credit risk appetite frameworks that align with company growth objectives and funding constraints.
• Oversee the end-to-end credit lifecycle, from onboarding policies through in-life monitoring to collections and recoveries.
• Drive portfolio segmentation, limit setting, and exposure management across industries, geographies, and client types (SMEs to Mid-market / Enterprise).
• Collaborate closely with Data Science, Legal, Finance, and Commercial teams to continuously improve credit decisioning models, scorecards, and policies.
• Support new product development and market expansions by assessing and mitigating associated credit risks.
• Serve as the primary interface with funding partners, insurers, and rating agencies on matters relating to portfolio performance and risk appetite.
• Lead a small but high-calibre team of risk professionals and analysts fostering a culture of proactive risk management and commercial partnership.
  

🏅What you need to succeed

Experience:

• 6+ years of experience in a multi-geography environment within Credit Risk Management for B2B Lending, Trade Credit, BNPL, Working Capital Finance, or Corporate Banking.
• Deep understanding of credit risk lifecycle management, portfolio steering, and risk-adjusted performance metrics (EL, PD, LGD, EAD, IFRS 9, etc.).
• Demonstrated success in setting and steering credit risk appetite within fast-paced, growth-stage or scale-up environments.
• Solid underwriting expertise gained from leading trade credit insurers, with a strong grasp of risk evaluation frameworks, sector analysis, and exposure management is ideal.
• Exposure to - or collaboration with - data science, credit modelling and analytics teams in the development of credit decisioning models.
• Strong stakeholder management experience, including interactions with executive leadership, funding providers, and insurers.

Skills & Competencies:

• Analytical, data-driven mindset with exceptional ability to translate data insights into actionable risk strategies.
• Strong commercial acumen; ability to balance risk and reward in a growth-driven environment.
• Skilled in portfolio monitoring, reporting tools, and performance dashboards (SQL, Power BI, Tableau, etc.).
• Deep knowledge of credit risk models, methodologies, and regulatory frameworks relevant to B2B lending and trade finance.
• Leadership and team management capabilities; able to inspire, challenge, and develop high-performing teams.
• Excellent communication and presentation skills, comfortable operating at board level and with external partners.
• Business Fluent English (C1+), additionally Dutch or German ideal.

🎁 What's in it for you?

• €1000 per year for you to contribute to your learning & development to help you grow professionally and personally.
• €300 per year for you to endorse team build, including dinners, games, and events.
• 28 vacation days per year (increasing 1 day every year up to 30).
• We welcome you to our office in the center of Amsterdam 3+ days a week.
• Take advantage of our Workation policy, allowing for up to 6 weeks every year of work outside of The Netherlands (some restrictions apply).
• Subsidised gym membership to boost your physical and mental well-being.
• € 46 per month towards public transport and tax relief for payments into our Business Bike scheme.
• You can accelerate your career and take ownership of your work and development in a flat hierarchy where 360 feedback is encouraged.
  

🦸 Are you a Monduneer in disguise?

Working in a truly diverse group makes us stronger and more resilient. Furthermore, it enables an unfair advantage - the opportunity to learn from each other, see different perspectives, and consider a broader range of variables in our decision-making. That is what being a Monduneer is all about.

Thus, regardless of your background, age, disability, gender, parental status, race, religion, sexual orientation, educational background, or any other aspect you feel is a statement of your diversity, we look forward to discussing your role in mind.

If you believe you are a Monduneer in disguise, and it's time for you to shine, submit your application, and we'll take it from there.

💜 Meet Mondu

Mondu is changing the B2B payments ecosystem by providing payment solutions that enable any B2B company to grow quickly and safely. We envision a future where businesses, not just consumers, experience a seamless, modern, and human-centered payment flow. Founded by a dream team of passionate entrepreneurs and seasoned tech leaders, Mondu is rapidly scaling. In just two years, we've secured over $120 million in funding, attained an e-money banking license through the Dutch National Bank, and assembled a talented team of over 100 Monduneers across our three locations of Berlin, Amsterdam and London. On the road, we have successfully launched numerous products accessible to buyers in seven markets (and counting!) - catering to thousands of clients.

Our products bring B2B payments up to par with B2C payments: putting the people behind the business at the heart of the payment flow, and ensuring they have a seamless, modern and state-of-the-art experience, whether they are sellers or buyers.

We’re building a culture at Mondu where amazing people do their best work. If you’re ready to grow your career and help thousands of organizations pay better, you’re in the right place.