.About Rauva:Hello, future innovator! Welcome to Rauva. We're not just a company; we're a movement. As Portugal's first business super-app, we're reshaping the landscape of entrepreneurship, making it more accessible and efficient than ever before.At Rauva, you'll be at the forefront of the combination of financial technology and entrepreneur empowerment. Our app simplifies business management for business owners and freelancers, offering seamless financial operations right from their smartphones. But that's just the beginning. We're constantly evolving, adding new features and tools to empower our users, and we don't plan on stopping with only Portugal, either.Our achievements speak for us. Selected by Banco de Portugal for the Finlab Portugal program, celebrated in the Portugal Fintech Report 2022 and 2023, and honoured by KPMG as the best Tech Innovator in Portugal 2023, we're on a fast track to transforming the FinTech and banking sector in Portugal. And we want you to be a part of this revolution.Here, your work will directly impact thousands of entrepreneurs. You'll collaborate with a team of passionate innovators, all driven by the same goal: to create cutting-edge, user-focused products that will change the face of Portuguese business. In our dynamic, fast-paced environment, your ideas and contributions will fuel our collective success.You. In a nutshell:We are looking for a Head of Credit Risk responsible for overseeing the credit risk management function within an organization, particularly in SME banking and fintech sectors. This role involves developing and implementing strategies to assess, mitigate, and manage credit risks, ensuring the stability and profitability of the credit portfolio. The Head of Credit Risk at Rauva will play a critical role in maintaining the balance between risk and reward, ensuring compliance with regulatory standards, and fostering a risk-aware culture across the organization.Your Responsibilities:Develop and implement comprehensive credit risk management strategies that align with the organization's objectives.Establish risk appetite and credit policies, setting limits and guidelines for credit exposure.Build the team from scratch.Oversee the evaluation of creditworthiness of potential and existing SME clients, using financial analysis and industry insights.Continuously monitor the credit portfolio to identify emerging risks and trends.What's your ideal background?Extensive experience (typically 10+ years) in implementing and successfully running invoice finance, loans, and credit card services for SME banking and fintech sectors.Extensive experience in lending for Southern EU is mandatory.Bachelor's degree in finance, economics, business administration, or a related field.Proficiency in financial analysis, risk assessment, credit modeling, and digitalization of banking and lending.Experience in ensuring regulatory compliance within a financial institution