Moneyflow is an ambitious fintech startup based in the heart of Copenhagen. We are on a mission to help companies - our customers - grow! 🚀 We believe that access to liquidity for small and medium sized enterprises (SMEs) is an important driver for success. If we can help SMEs to get faster access to liquidity, the bigger impact they can have on society. 

We are obsessed with making the ultimate user experience through easy digital financial services that are embedded directly inside invoicing and ERP platforms, which are used by SMEs. 

We are a few years into our journey with an established customer base and multiple partners in Denmark. We are now expanding our product offering and going to new markets, and we are super excited about the next phase. We have solid backing by private investors, and we have secured €250 million in asset-backed debt funding to fuel - not only our growth, but also the growth of many SMEs in the Nordics and eventually broader Europe. 

Our team is growing, ambitious and social, and we are looking for a Head of Risk to build a sustainable and healthy risk management environment to scale our business and ultimately help more businesses getting paid. 

As Head of Risk you will be responsible for the risk management framework, and support us in identifying, monitoring and mitigating risks related to our products and markets. We expect you to be the frontrunner in our healthy risk management and in fostering a healthy culture for balanced risk in the wider organisation. 

Who you are:

• You are looking for a place where your work and efforts will make a significant impact on the health of our business and our ability to grow

• You understand product and technology organisations and can work with product teams to realise a sustainable risk landscape for our business

• You have significant experience in risk management relating to SME financing or similar relevant space

• You have a digital-first mindset with a passion for automation and efficiency when introducing processes and policies

• You thrive in the pace and culture of a start-up, where you will be building strategy and teams from the ground up, while also executing on your own initiatives

• You deliver high quality in you work and also believe in a sustainable approach to the balance of taking risk against growth ambitions of the business 

• You are experienced in building and managing a credit/lending P&L

• You can see the value of working in an open, transparent and flat structured organisation, where we work closely together across departments and areas to find the best solutions

• A natural leader, comfortable with managing others and motivating others in the organisation to adopt a healthy risk culture

What you will be doing:

• Build, manage, and own the responsibility of the end-to-end risk management framework.

• Report risk metrics and status to internal and external stakeholders including working with our BI team to construct rich and intuitive reporting tools

• Report monthly and quarterly risk reports to the Board of Management and Board of Directors.

• Build and maintain the risk management strategy with risk appetite and preferences, including risk on partner platforms, to be approved by the Board of Directors

• Collaborate with other controlling and operations functions in the organisation to ensure a sustainable overall risk environment in the organisation

• Proactively experiment with our growing stock of data to identify valuable insights to support better credit decisions

• Support the growth of the organisation by hiring the right people at the right time to enable us to scale

• Oversee and manage the quality of our accounts receivables and help our accounts receivables associates identify areas that needs to be managed closely

• Make sure we are always compliant with legislation and requirements governed by the Danish FSA, including KYC and AML checks that are digital, smooth and compliant 

• Drive the requirements and constraints for our predictive credit engine model to become even more data-driven in our credit decisioning. Partner closely with our highly experienced data science team to build predictive models

• Create reporting systems, metrics, and KPIs that are in-line with major balance sheet investor expectations

What we offer:

You will get a full-time position and be part of our awesome and diverse team, which is: 

👩🏼‍🦰 41 people and growing

🌍 14 nationalities from 3 continents

🐶 3 fluffy office dogs 

The role is based in Copenhagen and we will not be considering remote candidates for this role. In our office, you will get snacks, drinks and all the coffee you can consume, plus you get to hang out with your nice colleagues for Friday bars, going for refreshing dips during hot summer days and social dinners, to name a few. We would love a team member that enjoys the social side as well as the overall goal of growing our business! 

Of course, you will also get flexible working hours, lunch and the newest tech at your fingertips.

We are a startup and things are continuously changing and moving forward. It requires a great deal of agility and responsibility, but we are offering you a chance to get onboard at this exciting stage and become a key member of our team. 

Sounds interesting? ✉️ Hit apply and send us your resume and a brief cover letter now. Interviews are ongoing.