Head of Product, Credit Risk

At Bondora, our mission is clear: to empower people to enjoy life more while alleviating the stress of managing finances. Founded in 2008, Bondora has proudly served a diverse community of over 1 million customers for an impressive 16 years.

As a rapidly growing financial technology company, we’re reaching new heights with a bold vision. We’re set to acquire a banking license, unlocking a world of possibilities for our customers. Our investment product is available Europe-wide, and we’re actively expanding our loan product footprint to 11 new countries.

Join us on this journey and let’s build the future of finance together!

What is this role about?

As the Head of Product, Credit, you will lead the development of Bondora’s credit decision-making stack. This is a highly cross-functional role working across Credit, Data Science, Risk, Legal, and Engineering to build systems that turn raw data into smart, responsible, and scalable credit decisions. You will shape the roadmap, structure the tooling, and ensure we meet both regulatory and business goals as we scale into the existing and new markets.

Your main responsibilities will be: 

• Continuously talk to customers, validate problems, and turn insights into shipped outcomes
• Drive the vision, strategy, and roadmap for Bondora’s credit decisioning platform, ensuring scalable, compliant, and auditable decisions across markets.
• Design and scale core credit capabilities around data inputs, affordability logic, and credit files, ensuring they are robust, transparent, and ready for multi-country expansion
• Partner closely with Risk, Legal, Country teams, Data Science, and Engineering to evolve scoring logic, feature engineering, and PD modeling
• Enable risk managers with powerful configuration, testing, and monitoring tools (Taktile-powered)
• Own data quality and lifecycle for credit decisioning, ensuring integrity, traceability, and modeling readiness at scale.

What would ensure success in this role?

• Strong product thinking: ability to frame problems, run discovery, and turn insights into measurable shipped outcomes
• Experience building products powered by ML, data models, or AI systems - understanding how models are trained, evaluated, deployed, and monitored 
• Ability to collaborate effectively with both technical (Data Science, Engineering) and non-technical stakeholders (Risk, Legal, Country teams)

Bonus points if you have:

• Experience with credit decisioning or underwriting platforms (e.g., Taktile, Provenir, or similar)
• Exposure to regulated domains such as lending, fintech, or digital banking.

What can you expect at Bondora? 

• Contribute to Bondora’s ambitious goal of reaching €1B in revenue by the end of 2026. Your skills and efforts will directly impact our growth trajectory and shape the future of our company.
• Our employees deserve the best. We recognize our people with a competitive salary and a generous benefits package (daily lunches in the office, monthly massage, five weeks of vacation, private healthcare compensation, €1,200 hobby grant, mental healthcare support, share options, and more!)
• We provide an environment that encourages your personal and professional growth. As we constantly evolve and innovate, you’ll have endless opportunities (and budget) to expand your skills and skyrocket your career.

The next steps

If you have the guts, ideas, and a team vision, apply now! 

Our hiring process: 

• Meet Karl, our Recruiter: Your first interview with Iryna will give you the chance to share your experiences and aspirations. 
• Engage with Alexandra, VP of Product
• Put your skills to the test: Tackle a home task to present your skills. 
• Assessments: Complete our personality and logic assessments in Alva platform to showcase your strengths.
• Visit our office to meet product stakeholders on Team DNA interview, showcasing your expertise. 
• A final with our CPO, Mirko. 
• The celebration begins: If the stars align, receive an offer to join the Bondora team! 

Join our team of Bondorians, and let's make it happen!

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