Team Lead of Credit Operations
Finom
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Barcelona, Spain
Posted 6+ months ago
About Finom
Finom is a European tech startup headquartered in Amsterdam, and we’re on a journey towards revolutionizing the financial landscape for entrepreneurs worldwide. Our mission is to develop an all-in-one financial B2B solution that integrates banking functions, accounting, financial management, and invoicing into a seamless, mobile-first platform.
Over the past two years, our team has fuelled exponential growth, securing $105 million in investments and propelling us into hyper-growth mode. We’re on track to become a unicorn start-up, backed by global funds like General Catalyst (known for supporting Airbnb, HubSpot, KAYAK, and Stripe). Finom has expanded its reach across 10+ EU countries, with a strong presence in key markets like Germany and France.
At Finom, we’re not just redefining the entrepreneurial experience—we’re empowering our employees to make a real difference. Your work matters, and your impact extends far beyond product metrics. We nurture innovation and an inspiring work environment where bold ideas thrive, prioritizing thorough research, swift implementation of solutions, and ensuring that every effort we make benefits our users, employees, partners, and our business as a whole.
Maintaining our start-up spirit, we prioritize thorough research, swift implementation of solutions, and ensuring that every effort we make benefits our users, employees, partners, and, of course, our business.
Working format:
Cyprus: Relocation package is provided.
Spain: we are only able to hire candidates who possess a DNI (for Spanish nationals) or a NIE linked to a valid working permit in Spain (for foreign nationals). Relocation support is not provided.
Poland: employment will be under 'Umowa o Pracę' (UoP). Relocation support is not provided.
Role Overview
As the Team Lead of Credit Operations, you will be responsible for the end-to-end operational processes related to SME lending. Your primary focus will be ensuring efficient and compliant execution of payments, managing communication with our BAAS partner-bank, and overseeing collections. To maintain operational excellence, you will work closely with internal stakeholders across risk, finance, and customer service.
Responsibilities
- Payments & Transactions Management
- Oversee loan disbursements and repayments, ensuring timely and accurate processing.
- Coordinate with the BAAS partner-bank to troubleshoot transaction issues and streamline payment operations.
- Ensure proper reconciliation of loan-related payments with finance and accounting teams.
- Partner & Stakeholder Communication
- Serve as the primary operational liaison with our BAAS provider, ensuring smooth collaboration on payment flows, account structures, and transaction processing.
- Work closely with internal teams (risk, finance, compliance) to align credit operations with business needs and regulatory requirements.
- Collections & Recoveries
- Implement and oversee SME loan collection processes, working with internal teams and external partners as needed.
- Monitor overdue payments, set up automated collection workflows, and manage escalations.
- Report on key collection metrics and continuously optimize recovery strategies.
- Operational Risk & Compliance
- Ensure adherence to Dutch/EU financial regulations and internal credit risk policies.
- Identify process risks and implement controls to mitigate potential operational failures.
- Support audits and regulatory reporting requirements related to credit operations.
- Process Optimization & Automation
- Improve existing workflows by introducing automation and efficiency measures.
- Collaborate with product and tech teams to enhance operational systems and reporting tools.
- Standardize and document operational procedures to support scale and growth.
Who you are
- Experience:
- 5+ years in middle or back office roles within a credit provider, fintech, or bank. Team lead experience is desirable.
- Strong background in SME lending operations within Europe.
- Experience working with BAAS partners, payment rails, and collection workflows.
- Skills & Knowledge:
- Deep understanding of loan disbursement, repayment, and reconciliation processes.
- Knowledge of collections strategies and best practices for SME credit.
- Familiarity with Dutch/EU financial regulations, PSD2, and operational risk frameworks.
- Strong analytical and problem-solving skills, with a process-improvement mindset.
- Knowledge of credit card products is an advantage.
- Experience with Metabase and/or Power BI for operational reporting and analysis is an advantage.
- Experience with JIRA for workflow management is an advantage.
- Soft Skills:
- Ability to lead and mentor operational teams.
- Excellent communication and stakeholder management skills.
- Proactive approach to problem-solving and decision-making.
What You Will Get In Return
Make a genuine impact on the product
Join our upward trajectory, and grow with us. We provide the resources and opportunities for continuous personal and professional development, empowering you to make a genuine impact on our evolving product.
Work in the EU
Embark on this exciting journey with us and enjoy the flexibility of traveling and working remotely or in a hybrid model across Europe.
Become a stock options holder
Unlock your inner entrepreneur and align your aspirations with ours through our Stock Options Program. This exciting opportunity is available to every team member, from junior team members to our founders.
Receive unwavering support and care
Finom stands by you at every step, embodying our commitment to your well-being and success reflected in our modern, friendly, and eco-conscious corporate culture. We offer constant support and care to ensure your Finom experience is successful and fulfilling.
Work & Swim program
Immerse yourself in our exclusive Work & Swim Program. Spend one month in a comfortable corporate apartment in enchanting Cyprus. It's the ideal opportunity to strike the perfect work-life balance while enjoying breathtaking Mediterranean views.
Equal Opportunity Statement
At Finom, we're an equal opportunity employer and value diversity at our company. We embrace diversity and invite applications from all walks of life. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, disability status, or other applicable legally protected characteristics.
This job is no longer accepting applications
See open jobs at Finom.See open jobs similar to "Team Lead of Credit Operations" General Catalyst.
