Head of Risk Management - Finland (m/f/d)

ABOUT US

Pliant is a European fintech specializing in B2B payment solutions. Our modular, API-first platform helps businesses streamline spending, improve cash flow, and integrate payments into their financial workflows. Designed for industries with complex payment needs, such as travel and fleet, Pliant enables greater efficiency, control, and profitability.

We serve two primary customer segments:

• Companies looking to optimize operational processes through intuitive apps and APIs, gaining control, automation, and financial flexibility through extended credit lines.
• Businesses such as financial software platforms, ERP providers, and banks that want to launch or enhance their credit card offerings using Pliant’s embedded finance and white-label solutions.

Founded in 2020 and headquartered in Berlin, Pliant supports over 4,000 businesses and more than 20 partners globally. As a licensed e-money institution (EMI), we issue Visa-powered credit cards in 11 currencies across more than 30 countries, helping companies streamline and simplify payments.

Learn more at
www.getpliant.com

ABOUT THE ROLE 

The Head of Risk Management (m/f/d), based at Pliant Oy, the group’s regulated Electronic Money Institution (EMI), is responsible for maintaining and continuously enhancing Pliant’s Risk Management framework.

This role ensures that Pliant’s Risk Management complies with regulatory requirements. While positioned within Pliant Oy’s second line of defence, the role provides group-wide support and coordination across all Pliant entities.

WHAT YOU’LL DO 

• Acting as a key function holder under Finnish regulatory requirements and being notified to the Finnish Financial Supervisory Authority (FIN-FSA)
• Overall responsibility for the continuous development of the risk management framework in accordance with FIN-FSA regulations, EU legislation, and EBA guidelines. 
• Maintenance and ongoing monitoring of the Risk Appetite Framework, ensuring alignment with the institution’s business strategy and regulatory requirements.
• Ownership and continuous maintenance of risk management policies, frameworks, and methodologies in close collaboration with the responsible stakeholders, e.g. Information-Security or Credit department, ensuring alignment and integration across all relevant risk areas.
• Identification, assessment, and ongoing monitoring of all material risks, including operational, ICT, cyber, outsourcing, financial, liquidity, capital, fraud, and business model risks.
• Contribution to internal capital and liquidity adequacy assessments, including stress testing and forward-looking risk assessments.
• Preparation of comprehensive and timely risk reports for the Management Board and Board of Directors, including escalation of material risk issues.
• Providing independent, risk-based advice to senior management on strategic initiatives, material changes, and key business decisions.
• Integration of risk management considerations into product development, new business initiatives, and significant changes through the New Product Approval Process.
• Oversee the outsourcing and third-party risk management framework in line with EBA Guidelines on Outsourcing Arrangements; risk assessment, approval support, and ongoing oversight of outsourcing arrangements and critical service providers in line with FIN-FSA and EBA outsourcing requirements.
• Ensuring governance-level oversight of DORA requirements, including ICT risk management frameworks, incident classification and escalation, and risks related to critical ICT third parties, in coordination with the Head of Information Security. 
• Promotion of a strong risk culture and risk awareness across the organization.

WHAT YOU’LL BRING 

• Bachelor’s or Master’s degree in Risk Management or a related discipline.
• 5+ years of experience in risk management ideally within financial services, fintech, or EMI.
• Strong knowledge of EBA, DORA, and PSD2 operational risk requirements.
• Excellent communication, stakeholder management, and presentation skills at all levels.

NICE TO HAVE

• Working knowledge of Finnish and/or additional European languages.

WHAT WE OFFER 

• The opportunity to work in a growing team with big responsibilities that thrives on a strong exchange of knowledge and excellence 
• Attractive remuneration
• Flat hierarchy and transparent communication in a relaxed, professional atmosphere
• Opportunity to develop your talent in a dynamic team with ambitious goals
• Flexibility and possibility to work remotely
• Company card with a monthly allowance for lunches, coffee, etc. with co-workers

At Pliant, we believe diversity and inclusion are essential to building not only an innovative product but also an exceptional experience for both our customers and our team. This commitment begins with our hiring process—we welcome individuals of all racial and ethnic backgrounds, religions, national origins, gender identities or expressions, sexual orientations, ages, marital statuses, and abilities. If you require accommodations or accessibility support during the interview process, please let us know in your application so we can make sure your experience is seamless.