Lead Credit Risk

Build with us

Since 2004, we've had one clear goal: to make payments and money management effortless for every business in Europe.

Today, more than 250,000 companies use Mollie to get paid, manage money and grow – with products designed to be simple, scalable, and dependable.

With 950+ Mollies across 14+ locations, we care deeply about autonomy and craft. So we work in small teams, with real ownership, and we trust you to make the right decisions.

We're building for the long term, so we provide the tools you need, processes you can rely on, and a balanced work environment to help you do work you're proud of.

Sound like your kind of place? Let's build together.

Your impact

Credit risk at Mollie isn't a back-office function — it's a core part of how we grow responsibly.

As Lead Credit Risk, you'll lead a team of five analysts in making sharp, well-reasoned decisions about merchant onboarding and portfolio health. You'll be the person who ensures we're approving the right merchants, at the right time, with the right level of exposure - and that our existing portfolio stays aligned with our risk appetite as it evolves.

But this role is about more than maintaining what's already working. Mollie is expanding and you'll be at the centre of that shift. You'll design and build the credit risk infrastructure - policies, models, processes - that makes it possible for us to confidently offer new financial products to our customers. That means building frameworks largely from scratch, in a fast-moving environment where your decisions have real and lasting impact.

You'll report directly to the Monitoring Operations Lead, and serve as the key point of contact on team performance, portfolio status, and strategic risk development. If you're energised by the idea of shaping something new - and you're hands-on enough to get into the details when it matters - this is the role for you.

What you'll ship

• Full ownership of the existing merchant credit risk portfolio — hitting all team SLAs for underwriting and periodic reviews, and keeping portfolio quality sharp as merchant volumes grow.
• A detailed, documented roadmap for the design and implementation of a new credit risk framework for Mollie's new products — built from the ground up.
• A smart, scalable credit risk system that reduces friction in the customer lifecycle, enabling faster approvals for good merchants without compromising risk standards.
• Clear performance and development plans for each member of the credit risk team, with a focus on coaching, growth, and building long-term capability.
• Optimised assessment processes that leverage AI tooling to automate routine cases — freeing the team to focus human effort where it matters most.
• Regular, structured reporting to leadership on portfolio performance, gaps, and where strategic attention is needed.

What you'll bring

• 5+ years of people management experience, with a track record of leading, coaching, and developing high-performing teams.
• Hands-on experience in both PSP and banking environments, you understand how credit risk works differently across these contexts and can bridge the two.
• Proven expertise in credit model and policy development, including building credit risk frameworks and scorecards from scratch.
• Strong stakeholder management skills, you're comfortable working across sales, operations, and leadership, and you know how to communicate risk clearly to different audiences.
• A hands-on, operational mindset, you don't just set direction, you roll up your sleeves and get into the details when the situation calls for it.
• A genuine motivation to work in a fast-paced fintech environment and contribute to building new products, this role is for someone who's energised by growth, not slowed down by it.

Grow your way

At Mollie, growth is personal. We believe everyone should have the chance to develop their skills, explore new challenges and shape their career on their own terms.

You'll get regular feedback and performance reviews to support your development, with fair and transparent salary reviews along the way. Many Mollies move into new roles or take on new projects to stretch themselves, and we actively hire from within to help you take the next step.

No matter if you're aiming for promotion, exploring a different career path or building new skills, you'll be supported with the tools, trust and opportunities to grow your way.

AI at Mollie

We believe in Always Be Shipping, and AI brings that philosophy to life across every team, every role, every day.

AI is core to how we build. It helps us move faster, simplify work and make smarter decisions, creating real impact for the businesses we serve. We're looking for people who are excited to use AI to shape the future of finance with us.

Benefits

20 days working from abroad

Enjoy the flexibility to work from abroad for 20 days a year (excl high risk countries)

Wellbeing Budget

Enjoy €60 per month net towards taking care of yourself.

Lifestyle and Health Support

Reach out for coaching and support whenever you need it via OpenUp.

26 holiday days

Time to relax. Plus an extra 2 days off in between 27 and 31 December!

Commute options

Receive an NS Business Card and participate in our bike lease plan

Birthday off

It’s your special day! Why spend it at the office?

WFH Equipment Budget

One off budget of €400 for our new hires.

Hybrid working

With WFH & Internet allowance at €60 a month.

Discounted Lunch

Hot and cold meals plus snacks available each day for less than €4 and only pay when you use the service!

Health Insurance

Insure with ONVZ or receive €125 net towards your own insurance.

Annual Mollieverse event

All Mollies get together, connect and have fun.