Job description
About the Role
The Head of Risk will lead the development and continuous improvement of the company’s Enterprise Risk Management Framework.
This is a strategic leadership role with direct exposure to Executive Management and the Board, focused on strengthening risk oversight, operational resilience, and sustainable business growth.
The role is suitable for an experienced Head of Risk, Enterprise Risk Manager, or senior risk professional.
Responsibilities
• Develop and continuously enhance the company’s Enterprise Risk Management Framework in line with regulatory expectations and industry best practices.
• Perform enterprise-wide risk assessments across products, services, operational processes, partnerships, and new business initiatives.
• Identify, assess, monitor, and mitigate operational risks across business functions while promoting a strong risk-aware culture.
• Establish and maintain the Risk Appetite Framework, Key Risk Indicators, and enterprise risk reporting processes.
• Prepare monthly, quarterly, and annual risk assessments for Executive Management and the Board.
• Oversee credit risk exposure, including safeguarding bank concentration risks, counterparty exposures, and financial institution exposure limits.
• Provide independent risk oversight during regulatory assessments, internal control reviews, external audits, and compliance reviews.
• Coordinate risk assessments carried out by third-party consultants, auditors, and regulatory reviewers, ensuring recommendations are implemented on time.
• Review new products, partnerships, payment services, and strategic initiatives from a risk perspective before launch.
• Present risk reports, recommendations, and strategic insights directly to senior management and the Board.
About you
• 5+ years of experience in risk management within EMIs, Payment Institutions, banking, or regulated financial services.
• Previous experience as a Head of Risk, Enterprise Risk Manager, or senior risk leader.
• Strong understanding of Enterprise Risk Management, Operational Risk, Credit Risk, and Corporate Governance frameworks.
• Practical experience performing enterprise-wide risk assessments and implementing risk control frameworks.
• Knowledge of safeguarding requirements, counterparty risk management, and banking exposure monitoring within payment institutions.
• Excellent understanding of European financial regulations applicable to payment institutions and electronic money institutions.
• Experience presenting risk matters to Executive Committees, senior management, or Boards of Directors.
• Fluent English and strong stakeholder management skills.
NICE TO HAVE
• Experience stepping into or working closely with C-suite leadership in a regulated financial institution.
• Exposure to cross-border payments, card products, embedded finance, or international payment operations.
• Experience supporting regulatory assessments, audits, or governance transformation projects.
KEY COMPETENCIES
• Strategic risk leadership with the confidence to advise Executive Management and the Board.
• Strong judgement in balancing business growth, regulatory expectations, and risk appetite.
• Clear communication of complex risk topics to senior stakeholders.
• Structured decision-making and the ability to prioritise high-impact risk matters.
• Collaborative leadership across Risk, Compliance, Finance, Operations, Product, and executive teams.
We offer
Competitive salary starting from €4,500 gross per month, depending on experience and qualifications.
• Health insurance after the probationary period.
• Parking available for employees.
• A strategic leadership role with direct exposure to Executive Management and the Board.
• The opportunity to shape and continuously develop the company’s Enterprise Risk Management Framework and contribute to the company’s sustainable growth.
RECRUITMENT PROCESS
We will contact only candidates who have been shortlisted for an interview.
We’d love to meet you and tell you more about life at FINCI.
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