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.