Risk Manager

Apply here Risk Manager Join Defacto and shape the future of SME financing! What’s in it for you? At Defacto, we’re on a mission to fuel the growth of SMEs with short-term financing, all while managing risk with precision and efficiency. As part of our team, you’ll be empowered to drive risk management in an environment that values data, autonomy and scalability. We need to continuously balance managing risk within our appetite while supporting commercial growth. Why this role is exciting?

• Data-Driven & Transparent: Work with a robust data model where every event is tracked, and automation is key. You’ll have all the tools and data to help you automate operations and analyse key risk trends.

• Tooling: Ability to build your own tools and implement robust & efficient AI workflows.

• Lean, Impactful Team: As part of a small, hands-on team, you’ll own your area, becoming an expert while working hand in hand with the Chief Risk Officer on critical projects.

• Collaboration: You’ll be collaborating with engineers, data scientists, and senior leadership to optimise processes and build innovative risk solutions.

• Autonomy: As our structure is relatively flat, you'll have direct access to the CRO and the founders, allowing you to shape the company's risk landscape. Why it’s challenging?

• High Autonomy, High Responsibility: You'll ultimately run your own track. Balancing strategic vision with daily operations is key, and you’ll be expected to take full ownership over time.

• Fast-Paced Environment: You’ll juggle multiple priorities, adapting quickly to new challenges, and driving operational excellence. What we stand for:

• Polyvalent: we love learning and expect our team members to step outside their comfort zones. We believe in people that love learning and touching everything, albeit always with efficiency (Pareto).

• Data-Driven Decisions: we believe in empowering our team with access to data to make informed, independent decisions.

• People: we believe people makes great company and adventure. We believe in a small team built around inspirational profiles. Responsibilities:

• You will work closely with Defacto’s Chief Risk Officer, getting to work on the following topics:

• Credit Analysis: Underwrite ad-hoc cases and integrate insights into our automated decision-making process.

• Risk Roadmapping: Lead projects to optimise risk discrimination, balancing minimal losses with commercial growth.

• Product Development: Collaborate on structuring new financial products.

• Collections: Drive operational excellence in scaling the collections department with a hybrid approach of automation and human input.

• Stakeholder Management: Represent Defacto in meetings with investors, auditors, regulators, customers and external partners. Requirements:

• 3-5 years in the financial sector or data analysis.

• Experience in fintech, financial institutions, or consulting.

• SQL expertise is a plus, but proficiency with data sets is essential. What you’ll achieve in 6 months:

• Own daily risk monitoring and internal control processes.

• Successfully launch a risk project with data engineers.

• Contribute to operational excellence and recovery performance improvements.

• Build relationships with external stakeholders (investors, auditors, regulators).

• Master our operational tools.

• Full autonomy in credit risk decisions.