Junior Risk Manager

iBanFirst

As a Junior Operational Risk Officer, you will play a key role in reinforcing iBanFirst's operational risk framework, with particular of our Business Continuity and Resilience programme and our Third Party / Outsourcing Risk Management activities. You will work closely with the Operational Risk Manager, pCISO, and business stakeholders to ensure that iBanFirst remains resilient, compliant, and well-prepared for disruptions, in line with DORA, NBB, and other applicable regulatory requirements.    Key Responsibilities  Operational Risk Management  * Support the maintenance and enhancement of the Operational Risk Framework, including the risk taxonomy, risk register, and risk appetite statements.  * Assist in facilitating Risk and Control Assessments (RCAs) with business units, particularly for process changes, new products, and new market entries.  * Map and document end-to-end business processes, identifying key controls, risk exposures, and process gaps in collaboration with first-line teams.  * Support the continuous improvement of process documentation, ensuring process maps remain accurate and up to date following organisational or operational changes.  * Collect, record, and analyse incidents, supporting root cause analysis and remediation tracking.  * Contribute to the development and maintenance of operational risk policies and procedures, ensuring alignment with regulatory expectations.  * Support a proactive risk culture across first-line teams by acting as a day-to-day advisor on risk-related matters.  Business Continuity & Operational Resilience  * Support the maintenance and testing of BCPs and DRPs across critical business functions and ICT systems, documenting findings and tracking remediation actions.  * Contribute to monitoring impact tolerances and recovery objectives (RTO/RPO), in line with DORA and EBA guidelines.  Third Party Risk Management  * Help maintain the Register of Information for outsourcing and ICT third-party arrangements in line with DORA and EBA requirements.  * Support risk assessments and due diligence for third-party providers and assist in monitoring their ongoing performance.    Your Profile  Required Experience & Skills  * 2+ years of experience in operational risk, business continuity, third party risk management, ideally within a regulated financial institution (bank, payment institution, fintech, or financial services group).  * Understanding of DORA (Digital Operational Resilience Act) requirements, including ICT third-party risk management, resilience testing, and incident reporting obligations.  * Practical experience in BCP/DRP development and testing.  * Experience managing or contributing to outsourcing risk governance, including risk assessments, contract reviews, and register maintenance.  * Familiarity with EBA Guidelines on outsourcing, PSD2, and relevant NBB supervisory expectations.  * Strong analytical and documentation skills, with the ability to translate regulatory requirements into practical frameworks and processes.  * Excellent communication skills in English; French and/or Dutch are a strong asset.    Personal Attributes  * Structured, detail-oriented, and organised, with the ability to manage multiple workstreams simultaneously.  * Autonomous and proactive, with a genuine ownership mindset.  * Comfortable working cross-functionally and challenging stakeholders constructively.  * Curious about emerging risks and regulatory developments in the fintech/payments space.  * Team player who thrives in a collaborative and fast-moving environment.    What we offer: You will join one of the fast-growing companies and a dynamic team in the center of Brussels  * A market conform salary; * Hospitalization insurance, group insurance and pension; * A reimbursement for your phone and public transport; * Meal-vouchers and eco-vouchers * 20 legal plus 12 extra vacation days (based on a full time employment)   Who we are: iBanFirst is a fast-growing European fintech that is revolutionizing international payments for SMEs. Founded in 2016, our platform empowers Small & Medium Multinationals (SMMs) to regain control over their payment operations: currency conversion (FX), international transactions, and foreign exchange risk management across 140 countries — quickly, transparently, and securely.  We make life easier for SMEs through an advanced technology platform (automation, APIs, AI…) combined with dedicated expertise, offering the best of both worlds: the agility of a SaaS solution and the reliability of a trusted partner.  By simplifying complexity, iBanFirst helps thousands of bold companies seize global business opportunities with peace of mind — delivering simplicity, transparency, and security.    Key figures  * 350+ employees across 13 offices in 10 European countries  * 30+ nationalities represented, average age: 32  * 10,000 corporate clients trust us  * €65M in revenue in 2024, with a target of around €85M in 2025  * Profitable for nearly two years  * Ranked for 6 consecutive years in the Financial Times FT1000, among the fastest-growing European companies  * An NPS of 87.5 — an exceptional score in our industry that reflects enthusiastic client feedback on the simplicity, speed, and quality of our service    A strong culture built around 4 core values  Team First : The complexity of our industry demands collective intelligence. We prioritize cooperation, transparency, and knowledge sharing. Success is a team effort, and decisions are made together.  Tenacity : We’re transforming a challenging and highly regulated market. It requires endurance, fast learning, and resilience — qualities rooted in our entrepreneurial DNA.  Transformation : Innovation is not a buzzword; it’s a necessity in a constantly shifting and strategic sector. We innovate with intent: every technical, product, or organizational improvement is designed for real impact.  Trust : Trust is the foundation of everything we build — with our clients and, above all, internally. It’s driven by ownership, autonomy, and a shared commitment to transparency, rigor, and reliability.    Why join us?  * We operate at the heart of a strategic and fast-evolving sector: international payments for SMEs — a complex, high-potential market.  * We’re driven by a meaningful mission: helping bold “Small & Medium Multinationals” succeed globally.  * Our platform integrates cutting-edge technologies (AI, automation…), making it an ideal playground to test, learn, and innovate continuously.  * You’ll join an agile environment where your expertise has tangible impact, working alongside talent from top financial institutions.  * iBanFirst is profitable and backed by long-term investors:  * Xavier Niel and Bpifrance, historical shareholders, have supported and trusted us from the beginning  * In 2021, the entry of Marlin Equity Partners marked a new chapter in our international ambitions    #LI-CH1 #LI-ONSITE

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 an analytically-minded Credit Risk Manager to lead a team of analysts, to help drive meaningful change in one of our consumer finance products in the UK or USA markets. This role is ideal for someone who is confident with data, comfortable coding, and eager to solve complex problems. You'll be part of a collaborative, ambitious organisation where ideas are encouraged and bureaucracy is minimal. Your work will have a tangible impact, driving strategic decisions and enhancing our portfolio performance. Your team's objectives Our credit teams are building high performing portfolios, with bold growth targets and a commitment to responsible lending. Within the credit function, our core responsibilities include: * Optimising credit decisioning: who to lend to, how much to lend, and at what interest rate. * Assessing and adapting to external economic conditions. * Developing and owning models that forecast returns and guide investor reporting. How you'll impact those objectives * Define and refine credit strategies that align with our evolving portfolio goals. * Discover insights from data using tools like Python and SQL to address key business questions. * Collaborate cross-functionally with product, engineering, data, and operations teams to implement strategies. * Monitor and assess the success of implemented strategies and continuously identify areas for improvement. What you'll need to succeed  Daily coding experience, with proficiency in Python and SQL ideally * Proven experience in credit risk strategy, ideally within consumer lending. * A strategic mindset and the ability to translate complex data into clear, actionable decisions. * A focus on delivering results that align with both commercial and customer needs. * A collaborative, open approach and a willingness to challenge your own assumptions * Experience leading and developing junior analysts Interview Process We’re not corporate, so we try our best to get things moving as quickly as possible. * An initial phone conversation with a member of our team. * Onsite interviews, including a practical case study and team conversations. * A final discussion with a member of our executive leadership (C-suite). 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!

Flow Traders

Flow Trader is a leading global proprietary trading firm and a principal liquidity provider and market maker across ETFs, bonds, FX & Digital Assets. As an investment firm regulated under the IFR/IFD framework, risk management is central to how we grow responsibly. Our EMEA Risk team works hand-in-hand with Trading, Quant and Technology. The Senior Market Risk Manager, you will provides second-line oversight of market risk across all trading activities. Reporting into the Market Risk Lead, this senior individual contributor role is accountable for the day-to-day execution and continuous improvement of the market risk framework  limits, monitoring, stress testing and analytics and acts as a trusted advisor to the trading desks. A core part of the role is working side-by-side with the trading desks to build a first-hand understanding of their strategies and exposures and translating that insight into a risk framework that is both robust and commercially relevant. This is a senior specialist role (not a people-management role).   WHAT YOU WILL DO * Partner closely with trading desks to understand strategies, exposures, and emerging risks across ETFs, Fixed Income, FX, Digital Assets, and Options * Support the development and oversight of the market risk framework, including risk appetite, limits, stress testing, and intraday controls * Monitor portfolio risk, investigate breaches and P&L anomalies, and drive risk mitigation initiatives * Design and enhance cross-asset stress-testing, risk analytics, and monitoring methodologies in collaboration with Quant and Technology teams * Leverage AI and automation to improve risk monitoring, reporting, and operational efficiency * Support regulatory requirements (including ICARA/IFR-IFD), governance processes, audits, and risk committee reporting * Provide independent challenge on new trading strategies and mentor junior team members within the team.   WHAT YOU NEED TO SUCCEED  * 6-10 years of relevant experience in market risk, front-office risk or trading, ideally at a proprietary trading firm, market maker or investment bank * Hands-on experience across at least two of our core asset classes (ETFs, bonds, FX, Digital Assets, Options), with appetite to grow across all of them * Experience in an IFR/IFD (or equivalent CRR/Basel) environment, including Internal Capital and Risk Assessment Process (ICARAP) or similar processes * Strong understanding of VaR, stress testing, Greeks and concentration metrics; familiarity with options and derivatives preferred, particularly in the context of ETFs and Digital Assets * Proficient in SQL, Excel and Python * Curiosity and hands-on interest in applying AI tools to improve risk processes and operational efficiency * Relevant university degree in a quantitative field (Finance, Mathematics, Physics, Engineering, Econometrics), ideally complemented by an FRM or CFA qualification * Independent judgment, credible challenge, excellent communication with traders, senior management * Proactive, hands-on and fluent in English.   WHAT WE OFFER At Flow Traders, we create the conditions for hard‑working, high‑performing people to do their best work. From a thorough onboarding and ongoing access to Flow Academy, to latest technology and a collaborative, non‑hierarchical culture, we give you the tools, ownership, and support to move fast and drive outcomes. We keep a close‑knit, small‑company feel while offering competitive salary, annual discretionary profit share, and comprehensive benefits, so talent can grow here, and stay here. See our benefits below: * Flow Academy and opportunities to attend domain-related conferences * Daily catered lunch, great coffee, and a fully stocked kitchen and snack bar * In-house Bar and Lounge with arcade, table tennis, billiards, and game consoles * Company boat * In-house gym and sessions with our nutritionist or personal trainer * Bi-weekly massages * Annual company trip and a variety of events throughout the year, such as the New Years Event * Global rotations across our offices worldwide * and more   Flow Traders does not accept unsolicited resumes from any professional staffing or search firms. All resumes, and any other information identifying potential candidates, submitted to any employee at Flow Traders via-email, the Internet or directly without a valid and signed search agreement will be deemed free to contact by Flow Traders without any restrictions and no placement fee of any kind will be paid in the event the candidate is hired by Flow Traders.