Our client provides card acquiring services to corporate merchants, with a focus on e-commerce and digital businesses. They are establishing a new Dutch entity to expand their credit offering to consumers in the Netherlands. The Consumer Credit Risk Manager will be appointed as a statutory director of the new Dutch entity and will hold the risk-management portfolio on its board. Alongside leading the firm's consumer-credit risk framework, the successful candidate will carry the responsibilities that Dutch law and the Autoriteit Financiële Markten (AFM) place on a day-to-day policymaker of a licensed credit provider. The role will play a central part in preparing and supporting the entity's application to the AFM for a licence to offer consumer credit. The successful candidate must have previous experience of leading or materially supporting a consumer-credit licence application to the AFM, or a closely comparable authorisation with another EEA financial regulator, and must be able to satisfy the AFM's suitability and propriety assessments. Following licensing, the Consumer Credit Risk Manager will be responsible for establishing and overseeing the firm's credit-risk strategy, creditworthiness and affordability processes, portfolio monitoring, arrears management and credit-risk governance. Engagement details 2-3 days per week, for a duration of up to 2 years. Hybrid, flexible working, with 1 day per week required in the Amsterdam office. Key responsibilities Board membership and statutory duties: Serve as a statutory director of the Dutch entity and as its day-to-day policymaker for risk. Obtain and maintain AFM approval as a day-to-day policymaker before appointment. Lead or support the entity's application to the AFM for a licence to offer consumer credit. Develop and maintain the entity's consumer-credit risk appetite, policies and governance framework, and present them to the board for approval. Define customer eligibility, credit limits, loan amounts, repayment terms and decline criteria. Design controls for repeat borrowing, concurrent borrowing, the stacking of multiple small obligations, and credit-limit increases. Develop credit-scoring, underwriting and decisioning strategies. Review and approve material changes to credit policies and decisioning models. Develop management information and reporting for the consumer-credit portfolio. Monitor approval rates, utilisation, arrears, defaults, losses, recoveries and customer outcomes. Governance and oversight: Act as the principal subject-matter expert for consumer-credit risk and as the board-level owner of the risk-management function. Design and maintain risk-management, compliance and internal-audit arrangements proportionate to the entity, with sufficient independence from the commercial lines. Establish clear ownership, delegated authorities and escalation routes for credit-risk decisions. Maintain the entity's credit-risk policies, procedures and mandates, the incident-handling procedure and the notification obligations owed to the AFM. Work with Compliance Monitoring and Internal Audit to test the effectiveness of credit controls. Support complaints handling and the entity's Kifid arrangements as they relate to credit decisions, affordability and arrears. Support Risk Committee, management board and supervisory board discussions relating to consumer lending. Provide training on credit-risk requirements and responsible lending, and support the oath obligations applying to customer-facing and risk-relevant staff. Own the credit-risk relationship with the AFM and support the entity's wider supervisory dialogue. Essential experience required: Candidates will be required to be AFM approved (or eligible for AFM approval as a day-to-day policymaker). Previous experience of leading or materially supporting a consumer-credit licence application to the AFM, or a closely comparable authorisation application to another EEA financial regulator. Previous senior leadership experience within the Pay Later (BNPL) space is required. Strong knowledge of Dutch consumer-credit regulation: the credit provisions of the Wft and BGfo, Book 7 Title 2A of the Dutch Civil Code, and the AFM's supervisory approach and guidance. Working knowledge of CCD2 and its Dutch implementation, and of what it changes for short-term credit, BNPL and deferred payment. Experience working for a regulated lender, bank, fintech, payment institution, electronic money institution or BNPL provider. Practical experience of consumer-credit underwriting and affordability assessment in the Dutch or a comparable European market, including the credit register and Nibud-based lending norms. Experience developing credit-risk policies, strategies and governance arrangements. Experience monitoring a consumer-credit portfolio and producing credit-risk management information. Experience working with senior management, regulators, external advisers and cross-functional teams. Strong understanding of the Dutch duty of care and the AFM's expectations on embedding the customer's interest, with the judgement to apply them absent a single codified outcomes duty. Skills and competencies required: Strong analytical and quantitative skills. Excellent understanding of credit-risk principles and responsible lending. Ability to translate regulatory requirements into practical policies and controls, including where the final text of the requirement is not yet settled. Strong written communication and regulatory drafting skills. Sound judgement and the ability to challenge commercial proposals constructively, including at board level and against the group. Ability to explain complex credit-risk matters clearly to senior stakeholders, supervisors and non-specialists. Strong project-management and organisational skills. Ability to work independently and to manage several regulatory and operational priorities simultaneously. High standards of integrity, accountability and attention to detail, commensurate with a regulator-approved board appointment. If you feel you have the relevant skills and experienced required for this unuique role, please apply today!

Treasury Implementation Consultant (German-Speaking)  London or Geneva or Luxembourg - Hybrid working model Professional Services Paymentgenes are proud to be partnering with our client, who are reshaping the global financial system through crypto-powered solutions for financial institutions, businesses, governments and developers. Our client empowers organisations on their path to strategic treasury through a leading SaaS treasury and risk management platform. As a Treasury Implementation Consultant, you'll act as a digital architect and trusted advisor, tailoring solutions that elevate clients' treasury operations. This role would be deal for a Solutions Consultant or Post-Sales Consultant with implementation experience looking to specialise in treasury technology. What you'll do: Lead discovery sessions to uncover client pain points, workflows, and technical requirements Design the "To-Be" state and configure the platform to meet client goals Advise clients on treasury best practices, modernizing legacy processes Deliver training that ensures clients realize maximum ROI Partner with Sales, Product, and Engineering to feed client insight into the roadmap What you'll bring: 3+ years in client-facing solution consulting or software implementation (ERP/SaaS) A consultative approach, comfortable challenging the status quo Understanding of data flow between treasury systems, banks, and ERPs Strong communication skills — able to translate technical jargon into financial concepts Expertise in cash management, payments, risk, or hedge accounting Background in Corporate Treasury, Accounting, or Finance Fluent German is essential, alongside English; other languages are a plus Why join our client: Fast-paced start-up environment with experienced industry leaders Professional development budget and inclusive, respectful culture Flexible hybrid working model Competitive salary, bonuses, equity, and comprehensive health/retirement benefits Generous vacation, R&R days, and industry-leading parental leave Interested? Get in touch to find out more about this unique opportunity!

Reconciliation & Safeguarding Manager | Brussels | Regulated E-Money Institution Client funds don't protect themselves. Our client is a fast-growing, regulated e-money institution based right across from Brussels Central Station, and they're looking for someone who can own the invisible infrastructure that keeps their payment ecosystem trustworthy: reconciliation, safeguarding, and the integrity of every euro that moves through their systems. This isn't a back-office finance role. It's the intersection of Finance × Operations × IT × Compliance — and it matters. What you'll own: Reconciliation across issuing, acquiring & payment accounts Safeguarding controls that protect client funds Investigating settlement discrepancies before they become problems Building smarter, tighter operational controls Leading and developing a Reconciliation Analyst You'll thrive here if you have: Reconciliation & settlement experience in a regulated environment (EMI, payments, or banking) Safeguarding or client funds monitoring experience — wherever it lived on your CV (Payment Ops, Settlement, Financial Ops, Banking Ops — we look at scope, not titles) Advanced Excel & SQL skills A working knowledge of card schemes, settlement flows & PSD2 Experience supporting audits or regulatory remediation What's in it for you: €5,800–€6,300 gross/month (13.92 months) €700/month mobility budget OR a company car 32 days annual leave Hospitalisation & group insurance Hybrid working, office steps from Brussels Central Station Long-term contract — start Sept/Oct 2026 If safeguarding and reconciliation are where you do your best work and you want to do it somewhere it actually matters — let's talk.