Risk Manager

ViaConto Sweden AB is a fast-growing company, founded in Latvia in 2008.

In Sweden, ViaConto operates in the field of microcredits and credit lines to consumers, with credit limits up to SEK 30,000. Our products are designed to help customers manage unforeseen expenses and temporary financial needs.

Through modern technical solutions, data-driven credit assessment, and a strong focus on regulatory compliance and customer protection, the company has quickly established itself in the Swedish market.

ViaConto Sweden AB is now in an important development phase and is applying for a license as a credit market company, which places high demands on the company's governance, control, and risk management.

About the role

We are looking for a Risk Manager for the company's independent risk control function. The role is a key function in the company's governance and control structure and includes overall responsibility for risk management in accordance with applicable regulations.

The function is independent from the operational business, with direct reporting in English to the CEO and the Board. The role entails a clear regulatory responsibility in line with the Swedish Financial Supervisory Authority's requirements for credit market companies.

Areas of responsibility

As Risk Manager, you are responsible for:

• Developing, implementing, and continuously maintaining the company's risk framework, policies, and instructions
• Identifying, assessing, measuring, and monitoring the company's overall risk exposure, including: credit risk, operational risk, liquidity risk
• Defining and proposing the company's risk appetite and ensuring that operations operate within established limits
• Conducting stress tests and scenario analyses
• Ensuring that risk management meets applicable regulatory requirements and supervisory expectations
• Preparing independent risk reports to the CEO and the Board
• Contributing to internal governance, internal control, and dialogue with external parties, including supervisory authorities as needed

Qualifications and experience

We are looking for someone who has:

• Documented experience of risk management in regulated financial institutions (e.g., bank, credit market company, finance company)
• Solid understanding of credit risk and credit portfolios
• Strong analytical skills and experience of quantitative and qualitative risk analysis
• Good knowledge of regulatory frameworks and rules relevant to credit institutions
• Experience working in or close to independent control functions
• Ability to clearly communicate risk issues to management and the board

Other

The role is strategic and control-oriented and suits someone who wants to take clear responsibility for the design and development of the risk function in a licensed company under growth.

We offer the opportunity to work from home.