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Juni Logo Juni · Banking

Head of Credit & Risk Operations

Sweden, Gothenburg · Job Posted May 04, 2026
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Job Description

We are looking for a Head of Credit & Risk Operations to take end-to-end responsibility for our credit decisioning and management processes. In this key leadership role, you will be instrumental in balancing risk with commercial ambition, ensuring our fintech bank scales sustainably and profitably.

Job Responsibility

  • Strategic Leadership: Own and develop the credit decisioning and credit management processes end-to-end, with a focus on scalable, data-driven decisioning
  • KYC & FinCrime Oversight: Lead and drive the KYC, transaction monitoring, and Financial Crime agenda, ensuring effective and scalable processes for customer due diligence, anti-money laundering, and ongoing monitoring
  • Organizational Growth: Lead, mentor, and scale the credit and onboarding teams, fostering a culture of high performance and continuous learning. You bring prior experience managing and developing teams
  • Governance: Serve as the Chairman of the Credit Committee and present credit-related matters, risk exposure, and FinCrime status to the Board
  • Process Innovation: Drive the improvement and automation of credit processes and models (PD-scoring, financial modeling, etc.) to support profitable growth
  • Compliance: Ensure full regulatory compliance within the credit area (IFRS, local regulations) and stay ahead of evolving AML/CTF requirements across relevant European markets
  • Commercial Balance: Partner closely with the sales and product teams to find the sweet spot between risk appetite and business opportunity

Requirements

  • Experience: Proven track record in a senior credit leadership role (CCO or Head of Credit) within a bank or credit market company, including prior people management responsibility
  • Domain Expertise: Deep experience in B2B / corporate lending is a must
  • Geographical Scope: Experience working with European credit markets beyond Sweden, with an understanding of cross-border lending dynamics and regulatory considerations
  • FinCrime Knowledge: Strong understanding of KYC, AML, and transaction monitoring frameworks, and how to implement them effectively in a digital-first bank
  • Environment: Experience working in a startup or high-growth tech environment. You understand how to build processes from the ground up
  • Data-Driven: Strong understanding of credit risk models, data analysis, and how to utilize AI/ML to enhance decision-making
  • Communication: Fluent in Swedish and English, with the ability to communicate complex risk topics clearly to diverse stakeholders

What we offer

  • We work hybrid. We'll see you in one of our offices in Stockholm or Gothenburg at least two days per week
  • Swap 2D for 3D. Meet all Junis IRL at the company onsite each year
  • Diversity is at our core
  • Great players can stay great players. Progress your career whether you choose to manage people or not
  • Stock options
  • Vacation days. 30 days
  • Private Health insurance
  • Beautiful offices in central Gothenburg and Stockholm, front row sea view
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