Retail Credit Cards Risk Lead

Who we are:

Do you want to join a well-established bank with a start-up culture? No, we're not joking

We, at
tbi
, have been one the most profitable banks for years and we are growing at a fast pace. We're a bank with a long history of success that operates as a start-up and we're always on the lookout for new opportunities to grow our business. How do we do that?

It's all about our
people
. Our team is made up of
brave, passionate and caring
people who don't just want to follow the same path – we want to transform into mobile-first, state-of-the-art lifestyle ecosystem. Our colleagues love working here – 80% of them would recommend
tbi
as an employer to their friends and family. Our people are engaged in challenging and meaningful work, inspired to grow their potential and career, encouraged to learn and empowered to take decisions. That's not corporate babble, it's what our people say.

What You'll do:

In this role, you'll take ownership of the risk strategies that power our Credit Card business. You'll:

• Lead the implementation of our Credit Risk strategy for credit cards, ensuring sustainable portfolio growth.
• Optimize risk management processes, credit flows, and user experience (UX) to balance customer satisfaction with sound risk practices.
• Continuously enhance credit acceptance criteria, limit management, and anti-fraud measures.
• Monitor and analyze key risk KPIs, ensuring effective risk control and early issue detection.
• Collaborate cross-functionally with teams across analytics, operations, and product to ensure data accuracy and strong decision support.
• Present insights and recommendations to senior leadership, influencing business direction through your analytical expertise.
• Cover Bulgaria, Romania & Greece — with travel.

What you'll bring:

• 3+ years of proven experience in Retail Credit Risk management.
• A degree in Economics, Mathematics, or Statistics.
• Strong knowledge of Retail Risk frameworks and proven experience implementing risk mitigation strategies.
• Confidence in monitoring and interpreting key risk indicators to support business goals.
• Excellent communication and stakeholder management skills.
• Proficiency in MS Office and SQL (knowledge of other analytical tools is a plus).
• Fluency in English, both written and spoken.
• A self-starter attitude with the ability to thrive in a collaborative, fast-moving environment.

What we offer:

• Seize the opportunity to grow your career.
• Engage in exciting and meaningful work.
• Get recognition for your work and attitude.
• Become part of a large, friendly and supportive team.
• Get additional private health insurance.
• Stay Chill, Bite into Thrill: Our Fresh Fruits/Ice Cream Program.
• Relax and Recharge: Our Weekly Office Chair Massage.
• Unlock the joy of reading with Bookster – Access a library of inspiration.
• Benefit from 28 days of annual leave – More time for what you love ( 22 vacation days, 5 for exceptional sick leave (no medical note), and 1 for your birthday ).
• Exclusive partner discounts – Enjoy deals tailored just for you.
• A World of Friendly Faces: Join Our Passionate Multinational Team and Talk to 16+ Nationalities at tbi bank .
• Bring Your Furry Bestie: Let's Make Work Pawsome .

Visit our
Career Page
to learn more about what makes us different.

If this sounds like something you'd be interested in, we'd love to hear from you

We'd love to get back to everyone, but due to the number of applications we receive, we can only contact the shortlisted candidates.

All applications are treated with utmost confidentiality.

By submitting your job application to
tbi
bank you confirm that you have read the document named "Information related to personal data processing for job applicants" publicly available on the
tbi
Career
page.