Your mission

As the Head of Risk & Compliance, you will be a pivotal figure in ensuring the company’s risk management framework, compliance standards, and underwriting policies are robust and aligned with the expectations of our banking and lending partners. Reporting to the executive leadership team, you will oversee all aspects of compliance and risk management, including including all policies required to maintain under our outsourcing agreements with regard to onboarding of customers, credit underwriting, and operational risk, while fostering strong partnerships with financial institutions.

Responsibilities

Risk Strategy Development:
•Design and implement a comprehensive risk management framework aligned with regulatory requirements and industry best practices.
•Develop policies that balance business growth with sound risk management principles.

Compliance Oversight:
•Ensure compliance with regulatory requirements, including AML, KYC, GDPR, and relevant financial services regulations in Germany and the EU.
•Act as the primary point of contact for regulators and lending partners regarding compliance matters.
•Run our regulatory license applications and act as touchpoint for all regulatory authorities.

Lending Partnerships:
•Align risk policies with the expectations and requirements of our banking and lending partners.
•Build and maintain strong relationships with partners to ensure smooth collaboration and risk-sharing.

Policy Oversight:
•Ensure our credit underwriting and dunning/collection policies are in line with our banking and lending partners and ensure they are executed and imposed accordingly.
•Review and optimize processes to enhance efficiency and decision-making accuracy.

Leadership:
•Lead the Compliance & Risk Team, fostering a high-performing and collaborative culture.
•Provide training and guidance on risk and compliance best practices across the organisation.

Monitoring & Reporting:
•Establish and oversee risk monitoring systems to identify, assess, and mitigate potential risks.
•Report on key risk metrics to the executive team and stakeholders

Your profile

Experience:
•Minimum of 8-10 years of experience in risk, underwriting, and/or compliance in a senior role within a bank, lender, or fintech.
•Proven track record of working with banking and lending partners on policy alignment and compliance.

Expertise:
•Deep understanding of regulatory requirements, credit risk, and operational risk in financial services.
•Familiarity with European and German financial regulations, including BaFin standards.

Skills:
•Strong leadership, strategic thinking, and communication skills.
•Ability to navigate complex partnerships and negotiate effectively with financial institutions.
•Proficiency in risk management tools and methodologies.

Other Qualifications:
•Fluency in English is required; German proficiency is highly desirable.
•Bachelor’s degree in finance, law, business, or a related field (advanced degrees or certifications in risk management or compliance are a plus).

Our offer

An attractive base salary.
Participation in our virtual Share Options Program.
Fresh coffee and snacks in the office.
Pet-friendly office.
Company & team events for a strong team feeling.
Direct collaboration with our C-Level.

You belong with us

We are currently a team of more than 40 employees from over 10 nations and are big fans of diversity. At Banxware, everyone is accepted, included, and celebrated, regardless of sexual orientation, cultural background, gender, religion, physical abilities, or lack of any of these.

Place of work

This is a Berlin-based position.

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