Head of Credit & Risk Operations

Head of Credit & Risk Operations Never wait, apply now! Are you a strategic credit leader who thrives at the intersection of data, technology, and business growth? Do you have a background in the fast-paced startup/fintech world combined with solid experience from traditional banking or credit market companies? 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. Juni who? 👋 At Juni, we’re busy building the future of banking. We want to help businesses do more with less and get access to the financial tools they need to operate, grow, and win globally. Your role at a glance 🤸‍♀️ As our Head of Credit & Risk Operations, you will own the credit strategy and lead the evolution of our credit organization. You will be a vital member of the management team, reporting directly to the CEO, and acting as the bridge between operational credit work and the Board of Directors. While Credit is your primary focus and expertise, you will also hold the overarching responsibility for our KYC, transaction monitoring, and Financial Crime functions, ensuring that our customer onboarding and monitoring are compliant, scalable, and fit-for-purpose in a high-growth digital environment. Your responsibilities 👏 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. About you We are looking for a senior leader who is as comfortable diving into complex financial data as they are presenting strategy in the boardroom. You likely have a "fintech mindset" - meaning you value speed, data, and scalability - but you possess the professional rigor of a seasoned banker. Qualifications 👑 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. You have worked with larger ticket sizes (typically 5M+ SEK), not consumer lending or small-ticket credit. 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. Your benefits 😍 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 . We're part Swedish. Part Canadian. Part French. Part Indian. Part Italian. Part British. Part Portuguese. You get the idea. Great players can stay great players . Progress your career whether you choose to manage people or not. Stock options . We can’t promise you’ll make a fortune. But we’ll give it our very best shot. Vacation days . 30 days. Awesome. Private Health insurance . You know. Just in case Beautiful offices in central Gothenburg and Stockholm, front row sea view! Department Operations Locations Gothenburg hub, Stockholm hub Remote status Hybrid About Juni Technology At Juni, we’re building the future of banking by rethinking how modern businesses manage their finances. Our goal is to help companies do more with less by giving them access to smart, flexible financial tools that make everyday operations simpler and more efficient. We aim to remove unnecessary complexity so businesses can focus on what really matters: operating smoothly, growing sustainably, and succeeding in a global market. Founded in 2020 Co-workers +100