Co-Head of Credit Risk Management (Retail) (mfd)

Who we are

flatexDEGIRO SE operates the leading and fastest growing online brokerage platform in Europe. Based on modern in-house state-of-the-art technology customers of the flatex and DEGIRO brands are offered a wide range of independent products with execution on top TIER 1 exchanges. The technological edge high efficiency and strong economies of scale enable us to continuously improve our service offering for clients and to set leading standards in terms of product price and platform quality.

With more than 35 million customer accounts and more than 75 million securities transactions processed in 2025 flatexDEGIRO is the largest retail online broker in times of bank consolidation growing digitalization and the immanent need of millions of Europeans to take their financial future into their own hands flatexDEGIRO is ideally positioned for further profitable growth.

Want to know what its like to work for flatexDEGIRO

Check out our Instagram @lifeatflatexdegiro and meet the great people that makes us who we are! Do you already see yourself as part of this team Apply!

The Co-Head of Credit Risk Management (Retail) is responsible for the oversight management and continuous development of our retail credit risk processes with a particular focus on making the area future-proof through transformation automation and scalable operating models. The role covers credit monitoring collateral management margin processes and risk mitigation across the retail portfolio and our trading system while contributing to the strategy governance and overall performance of the Credit Risk Management department together with the complementary Co-Head (Wholesale) and other stakeholders.

What tasks can you expect with us

• Lead the area by setting clear direction driving execution and developing the Credit Risk Management teams in a high-performance collaborative and innovative environment.
• Oversee retail credit monitoring processes including margining collateral sufficiency client deficits and risk mitigation measures.
• Ensure effective collateral management including margin calls client communication and position closing where required.
• Further develop and implement retail credit risk mitigation strategies including margin and haircut methodologies.
• Monitor collateral quality and adherence to collateral agreements and ensure timely escalation or execution where necessary.
• Drive the future-proofing of the retail credit risk area through process transformation automation scalable solutions regulatory initiatives and risk-related projects.
• Motivate and develop the team by fostering a growth mindset continuous learning and a strong culture of ownership improvement and cross-functional collaboration.

What do we want from you

• Masters degree or PhD in Finance Economics Mathematics or a related field
• Extensive professional experience in banking credit risk management with a strong focus on retail credit risk collateral management and margin processes.
• Strong understanding of retail credit risk financial markets brokerage collateral arrangements and securities-backed lending or margin-related processes.
• Excellent English communication and reporting skills
• Proven leadership and team management capabilities with the ability to motivate develop and grow teams through change while combining strategic leadership with hands-on execution.
• Strong track record in driving transformation automation and scalable operating models in a risk or financial services environment.
• Strong stakeholder communication and presentation skills
• Strategic thinker with the ability to align risk management with business objectives

Interested This is what we offer you

• Promise of a good work-life balance
• 30 days paid leave
• An enthusiastic and fun team to work with
• Personal and professional development with access to relevant courses
• Transport allowance or related benefits like a leased electric bike
• Pension plan
• A challenging job in an international and fast-growing company
• A competitive salary
• A lot of freedom executing your role and a chance to shape your own career
• The opportunity to participate in a new enthusiastic team of likeminded professionals

To make your life easier

You get the freedom to work flexible. Meaning you dont have to work in our office every day but we like it if you do of course! Its fun to come in and mingle with your colleagues. There is also fruit good coffee drinks & snacks and great sandwiches for lunch every day. Our beautiful and modern office in located in the iconic Rembrandt tower that is conveniently next to Amstel Station. To make comfortable we offer a 35 internet allowance provide a company laptop and many options to make it comfortable such as a chair screen and headphones. And last but not least: the gym membership options we provide is an easy way to get into shape!

Want to invite your friends to work for us as well A generous referral bonus will be yours if they get hired so spread the word once you start!

All qualified applicants will receive consideration for employment without regard to ethnicity color religion age sex national origin disability sexual orientation gender identity/expression or any other legally protected status. flatexDEGIRO is an Equal Opportunity Employer.

flatexDEGIRO Dutch Branch
Mattheos Savvidis
Corporate Recruiter