At Upvest, we are on a mission to make investing as easy as spending money. Upvest empowers businesses to offer a wide range of investment products and the best experience in the field of capital market investment and retirement planning. Upvest’s Investment API is easy to integrate so that fintechs and financial institutions can save resources and fully focus on their core business.

We are proud to partner with Europe’s leading Fintechs and financial institutions such as DKB, Revolut, N26 and Raisin. Founded in 2017 by Martin Kassing, Upvest now brings together over 270 talented professionals from more than 70 nationalities. We’re backed by world-class investors such as Hedosophia, Sapphire, Bessemer Venture Partners, BlackRock, Earlybird, HV Capital, Notion Capital, and Motive Ventures.

Your Mission:

As the Head of Risk, you are responsible for the strategic integration of risk management into our core business operations. Your mission is to act as a senior business partner to the management team, ensuring that both financial and non-financial risks are managed to support our growth.

You will lead the development and execution of a robust risk framework that ensures full compliance with BaFin and FCA standards, including MaRisk, ICAAP, ILAAP, and ICARA. By leveraging data-driven insights and automated monitoring, you will strengthen our internal control systems and provide the transparency needed for confident decision-making. Your goal is to safeguard our assets and scale our risk infrastructure as we expand our footprint in the investment landscape.

What you’ll do:

• Design and execute a comprehensive framework that unifies financial and non-financial risks, ensuring alignment with our long-term business objectives.

• Partner with the Management to shape the organization’s trajectory through high-level risk forecasts, strategic insights, and policy refinement.

• Oversee capital and liquidity adequacy while ensuring total alignment with BaFin and FCA standards and evolving industry benchmarks.

• Implement data-driven assessment techniques and predictive models to improve the precision of our risk quantification and early-warning systems.

• Act as a senior advisor across the organization to embed a risk-aware mindset, integrating risk considerations into daily decision-making and workflows.

• Serve as the point of contact for regulators, investors, and auditors, building trust through transparent and rigorous reporting.

• Lead and build out a sophisticated risk department, fostering a culture of technical excellence and autonomy while staying ahead of global industry trends.

What you bring:

• 7+ years of experience in risk management within fintech or financial services.

• Proven ability to scale risk management practices in high-growth, fast-paced environments.

• Comprehensive understanding of BaFin and FCA regulatory frameworks, including ICAAP, ILAAP, and ICARA.

• Strategic thinking with the ability to turn complex risk and regulatory topics into actionable plans.

• Strong analytical and problem-solving skills with a proactive approach to risk mitigation.

• Leadership experience in managing and developing high-performing teams.

• Experience influencing and leading cross-functional stakeholders toward strategic impact.

How we Upvest in you:

• Impact-driven work: We’re building the infrastructure that will power the future of investing in Europe. It’s complex, ambitious, and meaningful. You’ll work with modern technologies and create something entirely new. No legacy systems, no limits.

• Wellbeing: Recharge with 30 days of annual leave and maintain a healthy lifestyle with sports benefits. Access confidential professional coaching and enjoy the flexibility to work remotely abroad for up to 183 days a year. Recharge with UpRest, a one-month fully paid sabbatical after every 4 years of working at Upvest.

• Development: Growth is in our DNA. Each Upvenger has access to a personal development budget and the freedom to decide how to use it.

• Flexible work environment: Work from any of our hubs in Berlin, London or Tallinn hybrid or remotely across Europe, depending on the role. We give you the choice and budget to work where you’re most comfortable and productive, either at home or in the office. You choose.

• Compensation and equity: We believe that all Upvengers contribute to our success and deserve a competitive, above-market salary and a participation in our employee equity program.

• Team celebrations: Participate in company-wide events, such as UpFest, dinners, offsites and our Holiday party, to connect with colleagues and celebrate our achievements.

• Inclusion: We’re committed to a culture where everyone belongs and thrives. Our Employee Resources Groups foster inclusion and connection, like Upfem for our female Upvengers, or UpVergent supporting neurodivergent Upvengers and allies.

Our Values:

• Make it easy for others. We simplify the complex and act with the best intentions

• Own the outcome. We are proactive, fast and confident to get the job done, valuing progress over perfection.

• Rise to the challenge. We aim high and push the boundaries. We stay curious, learn and celebrate our wins together.

• Tell the story. We start with the Why to align on purpose. We are transparent and share knowledge to empower and inspire others.

Upvest is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.