Credit Manager

At Bondora, our mission is simple: to make finance easy, transparent, and accessible for everyone. Founded in 2008, we’ve helped more than 700,000 customers across Europe borrow and invest effortlessly through our trusted digital products. As a rapidly growing financial technology company, we’re reaching new heights with a bold vision. We’re set to acquire a banking license, unlocking a world of possibilities for our customers. This transition will allow us to expand our lending across more EU countries and broaden our product suite to deliver even more value. Join us on this journey and let’s build the future of finance together! What is this role about? As the Credit Manager, you'll play a key role in shaping and safeguarding Bondora's credit risk performance in Denmark, owning underwriting strategy, portfolio monitoring, and responsible-lending outcomes end to end. Collaboration is crucial, as you'll work closely with the Country Manager, Product, Data Science, Customer Experience, Legal, Collections, and Finance teams to turn portfolio data into decisions that protect both profitability and compliance. This position requires a combination of credit risk expertise, analytical rigor, and commercial judgment, making it an exciting and impactful opportunity to shape the trajectory of Bondora's Denmark lending business. Must-have: Strong practical knowledge of consumer credit risk management and underwriting strategy, advanced Excel and SQL skills, and the judgment to remain personally accountable for credit decisions, policy changes, and regulatory compliance. Your main responsibilities: Understand and diagnose the market: develop a detailed understanding of Bondora's lending product, underwriting flow, customer journey, and country objectives, combining portfolio data, funnel evidence, customer feedback, manual case reviews, and segment analysis to identify performance issues, calculation errors, fraud patterns, and opportunities. Monitor and explain credit performance: build and use dashboards, reports, and databases to track the application funnel, acceptance, offer uptake, limit utilisation, rejection reasons, FPD, recovery rates, PD, profitability, and other agreed indicators, investigating deviations, explaining their drivers, and escalating material issues promptly with recommended actions. Evaluate profitability and data value: use cash-flow and lifetime-value models to assess loan and customer profitability, guide credit decisions, oversee third-party data usage, and propose additional data sources where they support country goals. Set priorities and maintain the roadmap: translate agreed country goals into a short-term roadmap of up to three months and a clear proposal log, prioritising initiatives by expected impact, confidence, effort, risk, and dependencies, and keeping the Country Manager and cross-functional teams aligned on priorities, requirements, blockers, and delivery. Implement credit strategy…