Senior Market Risk Manager

Trading 212

OUR MISSION IS TO ENABLE EVERYONE TO BUILD WEALTH We reinvent how trading and investing work by creating exceptional products people love. Fostering a culture of excellence and high velocity is the key to our success. Тoday, we serve over 6 million clients, with more than €30 billion in assets under management - a testament to the scale and trust we’ve built in just a few years. WHAT YOU’LL DO * Ensure the organisation’s approach to the treatment of risk is aligned with its Risk Management Framework, Risk Strategy and Risk Appetite. * Conduct Risk and Control Self-Assesments and prepare evidence of control framework adherence for senior management and Board. * Provide education and training to the rest of the Firm on their responsibilities to ensure adherence to risk requirements. * Oversee and challenge risk event/ incident management from initial reporting through to remediation and closure. * Demonstrating an understanding of liquidity risk management and stress testing. * Provide an overview and challenge of the trading risk to which the Firm is exposed. * Provide risk reports and updates on the Firm’s risk profile through risk governance. * Participate in the company's new product approval process, ensuring risks are identified early with mitigation strategies applied. * Report and track organisational Key Risk / Performance Indicators (KRIs/ KPIs) for evaluating risk management performance, strategy, processes, and controls. * Promote the view that risk management is a universal responsibility and acts as a risk champion across the organisation. WHAT YOU NEED TO HAVE * Knowledge of risk management principles and practices. * Strong analytical and strategic thinking abilities. * High attention to detail and risk assessment skills. * Effective communication capabilities. * Experience in financial management, particularly capital and liquidity management and/ or management and understanding of market and credit risk in a retail client base is desirable * Experience with risk reporting. * Ability to develop and implement risk mitigation strategies. * Experience with risk management software and tools. * Outsourcing/ Third Party Risk Management experience. WHAT WE OFFER: * Challenges that will help you grow and realize your potential fast. * Opportunity to make a significant impact - you will build innovative services used by millions of investors to build wealth. * Work with smart, spirited, helpful, high-performing colleagues with a common goal. * An environment where nothing is set in stone. * Appreciation for your talent and ideas. * Generous remuneration package Are you ready to accelerate your career with us? We'd love to hear from you! We process applicant data confidentially and in accordance with applicable data protection laws. We may use AI-powered tools to help review applications, but all hiring decisions are made by our human recruitment team. Where required by law, we rely on your consent to use these tools. You may withdraw this consent or exercise your data protection rights at any time by contacting us.

Upvest

At Upvest, we are on a mission to make investing as easy as spending money. Upvest empowers businesses to offer a wide range of investment products and the best experience in the field of capital market investment and retirement planning. Upvest’s Investment API is easy to integrate so that fintechs and financial institutions can save resources and fully focus on their core business. We are proud to partner with Europe’s leading Fintechs and financial institutions such as DKB, Revolut, N26 and Raisin. Founded in 2017 by Martin Kassing, Upvest now brings together over 270 talented professionals from more than 70 nationalities. Upvest is backed by €280M in total funding from world-class investors, including BlackRock, Tencent, Sapphire Ventures, and Bessemer Venture Partners, Earlybird, Notion Capital, and Motive. Our latest €105M funding round in March 2026 - led by Sapphire and Tencent - serves as a massive catalyst for our growth, allowing us to offer premier investment experience. ABOUT THE ROLE: * As Senior Liquidity Risk Manager, you will own the design, implementation, and ongoing oversight of Upvest’s liquidity risk framework — a critical function for a BaFin-regulated investment firm operating at scale across Europe. * You will work closely with Treasury, Finance, and senior leadership to ensure Upvest maintains a robust and compliant liquidity position as we expand across Europe. * This is a high-impact, highly visible role at the intersection of regulatory compliance, strategic finance, and operational excellence — you’ll be central to how Upvest manages risk at the next stage of growth. WHAT YOU’LL DO: * Quantitative Analytics: Lead advanced quantitative modeling and analyze complex risk data to provide strategic insights on liquidity, funding, and stress testing (ILAAP). * Risk Governance: Design and implement comprehensive mitigation strategies and robust risk controls across our core business processes. * Projects & Tooling: Own high-impact risk projects, including the architecture and deployment of next-generation risk models and tools—initially for Financial and Non-Financial domains, with a clear path into the broader universe of Risk Management. * Stakeholder Communication: Serve as the primary expert for financial risk inquiries, translating complex quantitative findings for senior leadership, external partners, and regulators (BaFin). * Leadership & Collaboration: Mentor junior team members and drive cross-departmental initiatives (IT GRC, Outsourcing, Finance, Compliance, Operations) to scale our risk infrastructure. WHAT YOU BRING: * Experience: 5+ years in risk management or treasury within a regulated bank or financial institution. * Regulatory Expertise: Strong understanding of European/BaFin regulatory frameworks (CRR, LCR, NSFR, ILAAP, MaRisk). * Technical & Modeling Skills: Hands-on experience building or operating quantitative risk models and cash flow forecasting tools (SQL/Python skills are a plus). * Project & Cross-Functional Power: Proven track record of driving complex projects across domains like IT GRC, Outsourcing, or Compliance. * Leadership & Communication: Exceptional ability to mentor junior colleagues and articulate complex financial risks clearly to C-level executives and external partners. * Languages: Fluency in English; German language skills are a strong advantage. IT’S GREAT IF YOU HAVE: * Experience bridging the gap between Financial and Non-Financial/Operational Risk frameworks. * Prior experience in a high-growth fintech scale-up environment. HOW WE UPVEST IN YOU: * Best-in-class AI tools: Every Upvenger has €20,000 per year to spend on the best AI tools available — so you're always working with the most powerful models and tooling on the market. * Impact-driven work: We’re building the infrastructure that will power the future of investing in Europe. It’s complex, ambitious, and meaningful. You’ll work with modern technologies and create something entirely new. No legacy systems, no limits. * Wellbeing: Recharge with 30 days of annual leave and maintain a healthy lifestyle with sports benefits. Access confidential professional coaching and enjoy the flexibility to work remotely abroad for up to 183 days a year. Recharge with UpRest, a one-month fully paid sabbatical after every 4 years of working at Upvest. * Development: Growth is in our DNA. Each Upvenger has access to a personal development budget and the freedom to decide how to use it. * Flexible work environment: Work from any of our hubs in Berlin, London or Tallinn hybrid or remotely across Europe, depending on the role. We give you the choice and budget to work where you’re most comfortable and productive, either at home or in the office. You choose. * Compensation and equity: We believe that all Upvengers contribute to our success and deserve a competitive, above-market salary and a participation in our employee equity program. * Team celebrations: Participate in company-wide events, such as UpFest, dinners, offsites and our Holiday party, to connect with colleagues and celebrate our achievements. * Inclusion: We’re committed to a culture where everyone belongs and thrives. Our Employee Resources Groups foster inclusion and connection, like Upfem for our female Upvengers, or UpVergent supporting neurodivergent Upvengers and allies. OUR VALUES: * Make it easy for others. We simplify the complex and act with the best intentions * Own the outcome. We are proactive, fast and confident to get the job done, valuing progress over perfection. * Rise to the challenge. We aim high and push the boundaries. We stay curious, learn and celebrate our wins together. * Tell the story. We start with the Why to align on purpose. We are transparent and share knowledge to empower and inspire others. Upvest is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

Lendable

ABOUT LENDABLE Lendable is on a mission to build the world's best technology to help people get credit and save money. We're building one of the world’s leading fintech companies and are off to a strong start: * One of the UK’s newest unicorns with a team of just over 700 people * Among the fastest-growing tech companies in the UK * Profitable since 2017 * Backed by top investors including Balderton Capital and Goldman Sachs * Loved by customers with the best reviews in the market (4.9 across 10,000s of reviews on Trustpilot) So far, we’ve rebuilt the Big Three consumer finance products from scratch: loans, credit cards and car finance. We get money into our customers’ hands in minutes instead of days. We’re growing fast, and there’s a lot more to do: we’re going after the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks with dated systems and painful processes. JOIN US IF YOU WANT TO 1. Take ownership across a broad remit. You are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1 2. Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo 3. Build the best technology in-house, using new data sources, machine learning and AI to make machines do the heavy lifting ABOUT THE ROLE We’re looking for a highly analytical, technically strong Senior Credit Manager to join our U.S. team. In this role, you will help drive a step-change in how we measure, test and understand the performance of our U.S. loans business. You’ll work horizontally across Credit, Data Science, Product, Engineering and Capital Markets to ensure we are making statistically sound, customer-friendly and commercially intelligent decisions. This is a high-impact, high-autonomy role. You will own core analytical infrastructure that underpins how we improve credit strategy, evaluate tradeoffs, and scale profitably. The role is ideal for someone who thrives in ambiguity, is comfortable going deep into technical detail, and can translate rigorous analysis into decisions that move the business. WHAT YOU’LL BE DOING 1) Own our Testing Ecosystem (Experimentation + Statistical Rigor) * Own the end-to-end testing ecosystem for credit and product decisions including experimentation design, implementation standards, and result interpretation * Ensure we are collecting the right data, in the right structure, to answer high-priority questions * Establish statistically sound testing practices across teams * Develop repeatable frameworks for evaluating tradeoffs between conversion, risk, yield, and customer outcomes * Partner with Product/Engineering to ensure experimentation tools and logging support robust measurement (not fragile analyses after the fact) 2) Build Best-in-Class Monitoring & Analytics Suite (Performance + Economics) * Build and own a cohesive monitoring and analytics suite that provides a nuanced, end-to-end view of the business * Ensure we have clear visibility into credit performance, unit economics, funnel & underwriting performance * Develop tooling that lets us diagnose issues early and confidently * Create a “single source of truth” performance narrative that can be relied on by senior leadership for decision making 3) Drive Portfolio Valuation & Forecasting (Decision Support Across the Business) * Help build and continuously improve our approach to portfolio valuation, performance forecasting, and expectation-setting * Produce credible valuations / forward-looking performance views that inform: * Credit strategy and policy changes * Capital markets funding conversations * Growth scaling decisions * Product prioritisation and roadmap tradeoffs * Ensure valuation approaches are grounded in high-quality assumptions, are transparent, and are calibrated to observed performance Build clear frameworks for answering: what is the portfolio worth, how does it change under different strategy choices, and where are we taking risk? 4) Be Hands-On With Data & Influence Decision Making * Be comfortable being hands-on with data: drive your own analysis, build models/tools where needed, and turn analysis into crisp recommendations (SQL required; Python strongly preferred) * Communicate complex insights clearly to technical and non-technical stakeholders * Operate with an ownership mindset: identify the biggest analytical blind spots and drive improvements proactively (not only when asked) WHAT WE’RE LOOKING FOR Essential skills * Strong hands-on analytics ability — comfortable pulling data yourself and using it to drive decisions (strong SQL & Python required) * Deep understanding of experimentation, measurement, and statistical inference (power, significance, bias, causality, segmentation, guardrails) * Strong understanding of credit performance and unit economics in lending * Experience building monitoring / performance reporting and diagnosing portfolio performance changes * Strong commercial judgment: can balance customer outcomes and business profitability; comfortable with ambiguity and tradeoffs * Strong stakeholder management and communication — able to influence cross-functionally and up to senior leadership * Ownership mindset and high standards for analytical quality and integrity Desirable * Experience in U.S. personal loans, ideally in FinTech * Familiarity with underwriting strategy, risk models, and credit policy design * Experience partnering with Capital Markets / finance stakeholders on valuation, forecast, or funding decisions * Experience working with data engineering / analytics engineering teams (dbt, warehouse structures, instrumentation) * Familiarity with fairness/fair lending concepts and monitoring frameworks * Experience implementing AI tools to power business monitoring LIFE AT LENDABLE * Winning team: the opportunity to scale up one of the world’s most successful fintech companies * Flexible working: flexible approach tailored to each role. Hybrid roles require three days in-office weekly; fully remote roles include regular opportunities for in-person connection through socials and off-sites * Socials & connection: opportunities and events to come together, socialise, and get to know each other beyond the office walls * Health coverage: support for your physical and mental wellbeing, including private health cover * Retirement & savings: long-term financial wellbeing through retirement savings plans * Employee referral programme: earn a competitive bonus when you refer successful new team members * Office meals & snacks: enjoy a fully stocked kitchen, plus complimentary lunches prepared by in-house chefs on in-office days at select locations * Sustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locations Please note: The availability and details of specific benefits vary by location and role. For more information, please speak to your Talent Partner. Check out our blog!