Lead Risk Manager (m/w/d) - Hybrid

at  Tilta Fintech GmbH

YOUR MISSION

We are looking for a Lead Risk Manager who wants to build the next-generation of financial services together with us and make a dent in how businesses access capital in a fair and instant way.
Risk Management is at the core of our business and as the Lead Risk Manager, you will have the opportunity to shape the future of Tilta.
For this role, we are looking for an experienced professional, who aims to combine risk management expertise, data, deep business understanding, and innovative thinking to build and operate a nascent approach in B2B risk management and wants to take the next step.
With your deep business understanding, highly collaborative nature and profound belief in leveraging data and technology for better risk decisions, you will collaborate with data analytics, product and collections to define and build our fully automated embedded risk engine - all to solve a meaningful problem - fair and instant access to working capital.
Moreover, you will build an outstanding Risk management team, guide the work of fraud, credit risk and quantitative analysts and collaborate with internal and external stakeholders.

ABOUT US

Tilta was founded in 2022 by experienced fintech entrepreneurs and is home to 15 more industry experts – all on the common mission to change how businesses do business. We offer marketplaces and e-commerce platforms the end-to-end infrastructure for building credit-backed payment flows and closing the financial gap for their customers.
Tilta is an equal-opportunity employer dedicated to fostering a diverse and inclusive workplace. We strive to create a culture in which all individuals can reach their full potential regardless of their differences so that our team can thrive together through collaboration and mutual respect. We are committed to providing equal employment opportunities without discrimination based on race, color, national origin, gender identity or expression, sexual orientation, religion age disability marital status, or any other protected characteristics as outlined by the applicable law.

• Shaping and further developing the credit risk management function and risk policy of Tilta in close collaboration with the Founders team
• Setting the vision and roadmap of our fully embedded, digital-first and fully automated credit approval process
• Building up and then leading a team of fraud-, credit risk- and quantitative risk analysts
• Optimising our holistic risk and credit assessments along the customer lifecycle for our innovative embedded credit-backed B2B payments infrastructure
• Driving proactive collaboration with Finance, Product, and Collection colleagues in the further development of our automated risk management engine
• Ensuring compliance with regulatory obligations whilst taking a commercial and practical approach to risk-based challenges
• Being a trusted sparring partner for our refinancing partners, discussing and aligning on appropriate credit risk policies and portfolio performance
• Selecting Upstream service providers like open banking, fraud engines, credit decisioning engines and more to optimize the credit risk scoring process