Head of Credit

  • Published
  • Copenhagen, Denmark
  • Position is closed
  • Position
  • Full-time
  • Finance

Do you want to put your mark and have significant impact on a growing fintech company? Would you like to combine your expertise and interest within both credit risk and tech, and play a central role in the establishment of an e-money bank? We are now looking for an experienced credit risk profile for our newly established role as Head of Credit for Ageras Group.

Who are we?

Ageras Group is an ambitious, young and fast-paced group of fintech companies with a shared mission to enable success for micro-businesses. We are on an amazing growth journey, and will soon be expanding our business with a new unit – an e-money bank.

Starting out, you will join our growing Finance & Admin team consisting of 11 colleagues, and report directly to our CFO. As our new e-money bank is up and running, you will join a newly established banking team where you will own the credit risk function and report to the e-bank director.

What will you be doing?

As our Head of Credit, you will play a key role in our journey towards becoming an e-money institution. Constituting the credit function, your role will entail both operational and strategic tasks. Together with our developers, you will play an important role in building a digital credit assessment tool. However, until the tool is up and running, you will be the one responsible for all operational credit risk activities, including conducting manual credit assessment of customers. As these tasks gradually lessens, your focus will shift onto owning and driving the Credit function in its entirety.

More specifically, you will:

  • Provide requirements and design inputs, particularly with regards to credit risk recognition, measurement and its reporting as part of the core team developing the digital credit assessment tool
  • Implement a credit risk management framework including ongoing identification, assessment, monitoring and reporting key credit risk exposure
  • Manually research and evaluate client’s creditworthiness and create credit scoring models (until the credit tool is up and running)
  • Establish and review credit policies and standards in order to ensure that these reflect the best practice and regulate the risk assets of the e-money bank
  • Monitor the performance of corporate loan portfolios to ensure they comply with our credit risk strategies, policies and manuals
  • Devise and implement data driven strategies to optimize portfolio performance and credit risk
  • Use data to balance and optimize account volumes/growth targets with credit risk and customer quality

What will you bring to the table?

As our ideal candidate, you probably have a background within the financial industry – either from a larger financial group or from a smaller tech company focusing on financial solutions. You are ambitious and thrive when being your own manager, and are excited about the opportunity to shape the credit function and put a real mark on our company.

In addition to your extensive skillset within credit risk and finance, we also expect you to have a passion for (and preferably knowledge within) technology, and thus the ability to communicate with and constructively collaborate with our developers.

In terms of professional qualifications, you have:

  • About 5 years of experience within credit risk
  • Hands-on experience with credit risk assessment of small and medium-sized companies
  • A BSc/MSc within Finance, Business or related field
  • Excellent communication skills in English, in addition to near-native skills in Danish

Why should you join us?

We hope it’s fine that we take a moment to boast. Because to be honest, we think what we have to offer is pretty great: Our office is oh-so-fresh (probably the best view in town), our canteen is superb (probably the best lunch in town) and our people are simply fantastic (probably the best colleagues in town).

We take pride in our work, but we are also serious about fun. Seriously. Join our Friday Bar every FriYay, take a little break in our gaming room on a rough Monday or grab a ginger shot and join in on a yoga session on Wellness-Wednesday.

At Ageras Group, we are on a mission to conquer the world. But who said you can’t have fun along the way?

So what now?

Since you have read this far, we assume that we in some ways have caught your attention. Now we would love for you to catch ours, and that you can easily do by sending us your resumé and a (short) text telling us why you quite possibly could be our new colleague.

A recruitment process at Ageras Group usually looks something like this:

Phone screen – 1st interview – Assessment – 2nd interview – Hire

All applications are continuously evaluated, but you can expect to hear from us within 4 weeks at the latest.

If you have any questions regarding the position, feel free to contact Talent Acquisition Specialist, Pia Roaas, at +45 31 26 29 97.

We look forward to hearing from you!

About Ageras Group

At Ageras Group, we enable success for micro-businesses by building the best ecosystem around their financial needs. With a well-preserved start-up spirit, we are today an ambitious group of fintech-companies with nearly 200 employees operating across 6 markets in Europe and the US. As the home of Billy, Tellow, Meneto and Ageras Marketplace, and being financially backed by Investcorp, Rabo Bank Ventures and Lugard Road Capital, we are on a mission to revolutionize the financial industry and conquer the world - nothing less.

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