Job Description

Join the best bank to work for in Bulgaria*

Who we are:

Do you want to join a well-established bank with a start-up culture? No, we’re not joking!

We, at tbi, have been one the most profitable banks for years and we are growing at a fast pace. We’re a bank with a long history of success that operates as a start-up and we’re always on the lookout for new opportunities to grow our business. How do we do that?

It's all about our people Our team is made up of brave, passionate and caring people who don’t just want to follow the same path – we want to transform into mobile-first, state-of-the-art lifestyle ecosystem. Our colleagues love working here – 80% of them would recommend tbi as an employer to their friends and family. Our people are engaged in challenging and meaningful work, inspired to grow their potential and career, encouraged to learn and empowered to take decisions. That’s not corporate babble, it’s what our people say.

Do you want to play a key role in our unique success story?

If so, we're looking for a Retail Credit Risk Policy Lead to join our team on our journey to success!

What You’ll do:

• Lead the implementation of our Credit Risk strategy for credit cards, ensuring sustainable portfolio growth.

• Optimize risk management processes, credit flows, and user experience (UX) to balance customer satisfaction with sound risk practices.

• Continuously enhance credit acceptance criteria, limit management, and anti-fraud measures.

• Monitor and analyze key risk KPIs, ensuring effective risk control and early issue detection.

• Collaborate cross-functionally with teams across analytics, operations, and product to ensure data accuracy and strong decision support.

• Present insights and recommendations to senior leadership, influencing business direction through your analytical expertise.

Requirements

What you’ll need to succeed:

• 3+ years of proven experience in Retail Credit Risk management.

• A degree in Economics, Mathematics, or Statistics.

• Strong knowledge of Retail Risk frameworks and proven experience implementing risk mitigation strategies.

• Confidence in monitoring and interpreting key risk indicators to support business goals.

• Excellent communication and stakeholder management skills.

• Proficiency in MS Office and SQL (knowledge of other analytical tools is a plus).

• Fluency in English, both written and spoken.

• A self-starter attitude with the ability to thrive in a collaborative, fast-moving environment.

What we offer:

• Seize the opportunity to grow your career

• Engage in exciting and meaningful work

• Get recognition for your work and attitude

• Become part of a large, friendly and supportive team with 16+ nationalities

• Get additional private health insurance

• Receive special prices for multisport card and multiple retailers

• Obtain preferential prices for our banking products

• Enjoy a great location in Sofia’s city centre near National Palace of Culture and South Park

• Bring your furry bestie: Let's make work pawsome

Visit our Career Page to learn more about what makes us different.

If this sounds like something you’d be interested in, we'd love to hear from you!

To apply for this position, please send us your CV in English.

We'd love to get back to everyone, but due to the number of applications we receive, we can only contact the shortlisted candidates.

*We are ranked the top bank and top 3 employer to work for in Bulgaria according to Kaderabotim.bg 2025 employer rankings.

All applications are treated with utmost confidentiality.

By submitting your job application to tbi bank, you confirm that you have read the document named “Information related to personal data processing for job applicants” publicly available on tbi Career page.