Head of Credit Risk Services (m/f/d)

flatexDEGIRO SE operates a leading and fast-growing online brokerage platform in Europe. Based on modern, in-house state-of-the-art technology, customers of the flatex and DEGIRO brands are offered a wide range of independent products with execution on top TIER 1 exchanges. The technological edge, high efficiency and strong economies of scale enable the company to continuously improve its service offering for clients and to set leading standards in terms of product, price and platform quality.

The Head of Credit Risk Services oversees the delivery and development of credit risk services across the lending process, with a strong focus on analysis, monitoring, and reporting. The role ensures efficient execution, supports risk-informed credit decisions, and serves as a central interface to Operations and key stakeholders. It further drives the evolution of the team into a scalable, expert function that enhances analytical depth, decision quality, and overall contribution to the credit risk management framework.

What tasks can you expect with us?

• Lead and transform the Credit Risk Services team, ensuring high-quality execution, reliable service delivery, and a stronger value contribution through the team's risk expertise, analytical capabilities, and operational controls.
• Oversee operational credit risk services across the retail credit lifecycle and support the management of portfolio-related risk processes.
• Support risk-relevant credit decisions through credit analysis for, e.g., margin loan clients and structured assessment of client- and portfolio-related risk factors.
• Perform credit-relevant assessments and monitoring activities, including reviews of client behaviour, portfolio developments, and emerging risk indicators.
• Investigate and resolve risk incidents, issues, and control gaps proactively.
• Provide high-quality credit risk services to internal stakeholders, including analytical support, structured case handling, and contributions to risk-relevant credit decisions.
• Collaborate with cross-functional teams to transform processes, systems, and controls within Credit Risk Services and unlock additional value through better use of the team's skills.
• Contribute to the further development of operational procedures, controls, reporting standards, and supporting risk policies.
• Participate in strategic projects, regulatory initiatives, and implementation measures to strengthen operational risk governance.

What do we want from you?

• Bachelor’s or Master’s degree in Finance, Economics, Mathematics, or related field.
• Several years of experience in credit risk, banking operations, retail credit risk, or a comparable financial services environment.
• Leadership experience managing teams in a fast-paced environment.
• Track record in transforming teams and operating models, with the ability to broaden the team's remit and create added value through strong risk expertise, analytical depth, and business-relevant decision support.
• Strong understanding of credit risk processes, credit analysis, risk-relevant decision support, and retail or brokerage-related risk environments.
• Experience with credit risk reporting, monitoring frameworks, portfolio-related controls, and service delivery in a regulated environment.
• Strong analytical capabilities and confidence in interpreting data, preparing risk reports, and drawing sound conclusions for management and decision-making.
• Excellent communication and stakeholder management skills.
• Strong analytical mindset with high attention to detail.
• Ability to lead teams and drive results under pressure.
• Proactive, solution-oriented, and comfortable working in a dynamic environment.
• Strong problem-solving and decision-making skills.

Interested? This is what we offer you

• Promise of a good work-life balance.
• 30 days paid leave.
• An enthusiastic and fun team to work with.
• Personal and professional development with access to relevant courses.
• Transport allowance or related benefits like a leased electric bike.
• Pension plan.
• A challenging job in an international and fast-growing company.
• A lot of freedom executing your role and a chance to shape your own career.
• The opportunity to participate in a new, enthusiastic team of likeminded professionals.

To make your life easier

You get the freedom to work flexible, meaning you don’t have to work in our office every day, but we like it if you do of course. It’s fun to come in and mingle with your colleagues. There is also fruit, good coffee, drinks & snacks, and great sandwiches for lunch every day. Our beautiful and modern office is located in the iconic Rembrandt tower next to Amstel Station. To make work@home comfortable we offer a €35 internet allowance, provide a company laptop and many options to make it comfortable, such as a chair, screen and headphones. And last but not least: the gym membership options we provide is an easy way to get into shape.