Risk Manager

At Multitude, we’re more than just a listed European FinTech company—we’re a team driving financial innovation. We provide digital lending and online banking services that empower consumers, SMEs, and FinTechs to grow and succeed.
Powered by our Banking-as-a-Service Growth Platform, we operate through three business units: Ferratum, offering seamless mobile banking for consumers; CapitalBox, providing flexible financing for SMEs; and Multitude Bank, supporting non-bank lenders and FinTechs.
In 2024, we achieved €263.7 million in revenue and €20.2 million in net profit, reflecting strong financial growth. With 700+ employees across 25 countries, we’re shaping the future of finance in 17 markets. Founded in 2005 in Finland, Multitude is listed on the Frankfurt Stock Exchange (MULT)

Are you passionate about risk management and looking for an opportunity to make a significant impact within a dynamic and innovative banking environment? At Multitude Bank, we're on a mission to redefine banking, and we need a talented Risk Manager to join our team. In this role, you'll work closely with our Chief Risk Officer and Senior Managers, playing a crucial role in safeguarding our bank's financial health and ensuring adherence to regulatory standards. If you're ready to take your career to the next level in a fast-paced, fintech-driven environment, this is the opportunity for you.

Your focus:

• Monitor and Report: Track the performance of our loan portfolio, including approvals, collections, credit quality, and defaults, and report findings to various committees.
• Risk Assessment: Assist in evaluating the risk and expected credit loss of the Bank’s investments, ensuring compliance with covenants.
• Policy Adherence: Produce reports that track portfolio segments relative to the Bank’s risk indicators, ensuring alignment with our risk appetite framework.
• Product Approval: Contribute to the risk assessment of our New Product Approval Process.
• Regulatory Compliance: Support the compilation of the Bank’s ICAAP, ILAAP, and Recovery Plan, and participate in stress testing simulations related to the Bank’s balance sheet.
• Outsourcing and Policy Updates: Assist in risk assessments for outsourcing activities and update risk policies as needed.
• Committee Support: Contribute to analysis and reporting for the Credit Committee, Reserving Committee, and Risk Committee.
• Regulation Monitoring: Stay updated on new regulations impacting the Bank’s Risk Management function.
• Methods to Monitor: Contribute to the identification and design of methods to monitor, assess, and report different risks.
• Capital & Risk Management: Assist with the compilation of the Capital & Risk Management disclosures within the audited financial statements.
• Ad Hoc Tasks: Perform ad hoc tasks and support newly emerging needs as they arise.

Required skills & qualifications:

• Educational Background: A degree in financial services, economics, econometrics, risk management, statistics, business management, or a related field.
• Experience: At least 3+ years in a similar role within a bank’s risk management department or in banking advisory/consultancy, which is essential for this position.
• Risk Management Knowledge: A solid understanding of risk management principles and the evolving banking regulatory environment.
• Communication Skills: Excellent written and verbal communication abilities.
• Teamwork: The ability to work effectively within a team and a dynamic international environment.
• Fintech Interest: A strong interest in fintech and a desire to stay informed about industry developments.
• Time Management: Strong organizational and time management skills.
• Hands-On Approach: A proactive and meticulous approach to your work.

We offer:

At Multitude, we believe in empowering our employees to thrive personally and professionally. Here's what you can look forward to:

• A Truly Global Workplace – work with professionals from 40+ nationalities, bringing diverse expertise, perspectives, and a collaborative international culture.
• Hybrid & Flexible Work – we support work-life balance with remote work options and modern office spaces across Europe.
• A Culture of Growth – we invest in your future, offering LinkedIn Learning, mentorship, and professional development programmes, including HiPo and leadership development initiatives to support career advancement.
• Financial Growth Opportunities – benefit from our share purchase matching programme, allowing you to invest in your future with matched contributions and long-term financial rewards.
• Workation Programme – work remotely from different countries for up to 2 months per year, experiencing new cultures while staying connected and productive.
  
• Wellbeing Benefit – receive an annual allowance to support your physical and mental wellbeing. 
• Private Health Insurance – access comprehensive medical coverage to support your health. 
• Weekly Office Breakfast – enjoy a fresh start every Friday with breakfast at the office. 

If you're a detail-oriented risk management professional ready to take on new challenges and make a meaningful impact, we'd love to hear from you. 

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