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Fixing finance for real

Small businesses drive the economy. They build, hire, innovate and take risks. Yet when it comes to lending, decisions are still often slow, opaque and based on limited data. We built BridgeFund to change that. What takes weeks elsewhere happens here in seconds. A small business applies in three minutes and our models decide in one. No paperwork. No waiting. No human bottlenecks. Just smart technology making fair decisions, fast. That approach helped us grow 74 percent last year, fund over 500 million euros in loans and move toward a profitable 2025. Now we are taking our credit risk modelling and analytics to the next level. Champions League level. To do that, we are looking for a senior leader who has built models themselves, understands real world lending and knows how to turn analytics into business impact.

“The models we build decide who gets funded, how much and under which conditions. That responsibility makes this role both challenging and exciting.”

Your role as Head of Modelling & Analytics

You will own the end to end modelling and analytics strategy for SME lending at BridgeFund. From credit acceptance and pricing to fraud, collections and funnel optimisation, you connect business goals to data driven solutions that deliver measurable impact on risk, revenue and efficiency. You lead and grow a team of data scientists and analysts, while staying close enough to the work to challenge, guide and raise the bar. You define the roadmap, set priorities and ensure that models move from idea to production in a robust, explainable and scalable way. This is a leadership role for someone who has built many models themselves and knows when good enough beats perfect. Models are a means, business value is the goal.

What your day to day will look like

• Define the product vision and roadmap for credit risk modelling and analytics

• Own the full model lifecycle from ideation and data preparation to development, validation, deployment and monitoring

• Lead and mentor your team in an agile setup, setting clear standards and expectations

• Translate business objectives into clear analytical requirements and priorities together with senior stakeholders

• Implement and operate real time models for credit decisioning, affordability, pricing, fraud and collections

• Improve conversion, average ticket size and portfolio performance through experimentation and A B testing

• Safeguard data quality, model risk management, documentation and explainability

• Report impact and insights to MT, board and C level stakeholders

• Work closely with Product, Engineering, Risk and Compliance to align models with platform capabilities and governance

• Build the structure needed to scale the team, tooling and ways of working

What you bring

You are a hands-on leader who knows how to steer teams without losing sight of the work itself. You are comfortable making trade offs, delivering tough messages and keeping momentum when things get complex.

• At least 10 years of experience in data science, analytics or credit risk modelling, including people management

• Proven experience building decisioning models from scratch through to production (preferably credit risk related)

• Strong background in analytics and insight generation (preferably in lending or a financial context, but exceptional candidates from other industries are welcome!)

• Hands on familiarity with modern ML and analytics stacks including Python, SQL, Git and cloud platforms such as AWS, GCP or Azure

• Experience with big data technologies such as Spark or Hive

• Strong understanding of model validation, monitoring and explainability

• Advanced AI fluency and the ability to design and optimise AI driven workflows

• Ability to manage stakeholders, prioritise and communicate clearly at all levels

We are as proud of our culture as we are of our product

BridgeFund is built for people who want impact without politics. We move fast, keep lines short and trust people to own their domain. As an MT member, you lead by example and help shape how we build, decide and grow together. You will have the freedom to set direction, the responsibility to deliver and the support of founders and leadership who care deeply about getting this right.

• Competitive salary in the range of 140-150k to 160k

• Pension scheme

• MacBook and everything you need to do your work well

• 40 euro Alleo budget per month

• 26 vacation days

• 50 percent contribution to catered lunches

• Training and development budget

• NS Business Card or 0.23 euro per kilometre reimbursement, including cycling

• Office first culture with flexibility for one day per week working from home

Curious?

Good. That is usually how senior leaders with real impact start at BridgeFund. Apply directly or reach out to Susan Wan, CFO, via susan@bridgefund.nl. She will be happy to share more about the role, the team and where we are heading next.

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