Credit Operations Analyst

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.

We recently closed a €115 million Series C equity round (around $133 million), bringing our total funding to approximately $346 million. This significant investment follows a $105 million growth funding round from General Catalyst, a long-term backer since 2021 known for supporting companies like Airbnb, HubSpot, KAYAK, and Stripe.

Finom's platform goes beyond traditional banking, offering invoicing and a growing suite of features, including AI-enabled accounting, aiming to simplify financial management for entrepreneurs. We're actively expanding our reach across key EU markets like Germany, France, the Netherlands, Italy, and Spain.

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.

About The Role
We are looking for a full-time
Credit Operations Analyst
to join our Credit Operations team. This role is key to ensuring smooth execution of our credit processes, from loan origination through to portfolio monitoring and collections. You'll be data-driven, curious, and focused on improving operational efficiency while working closely with customers, external partners, and multiple internal teams.

What You Will Be Doing

• Support the end-to-end credit operations processes, including loan disbursements, repayment monitoring, and coordinating collections activities.
• Monitor portfolio health and handle customers at risk of delinquency and in default, ensuring timely communication and follow-up.
• Manage communications with customers and external partners to resolve credit-related issues.
• Collaborate with cross-functional teams to align on credit operations needs.
• Take ownership of daily operational tasks with an improvement mindset, actively identifying inefficiencies and proposing solutions.
• Contribute to process optimization and documentation efforts to help Credit Operations scale efficiently.
• Provide insights through data analysis to support decision-making and improve operational performance.

Who You Are

• Speak English fluently.
• Analytical, data-driven, and comfortable working with numbers.
• Excited to continuously improve processes and find smarter ways of working.
• Able to work autonomously while also collaborating effectively with different teams and stakeholders.
• Proactive problem-solver with strong attention to detail.
• Excellent communication skills and people skills, with the ability to manage relationships across departments and with external partners.
• Experience in credit or lending operations within a fintech, bank, or financial services company is required.
• Knowledge of loan products, collections practices, and operational risk is an advantage.

Interview Process
Recruiter Interview - 30 mins

1st Interview - 1 hour

Case & test

final Interview

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.