Financial Risk Officer

Overview

We simplify wealth creation. Founded in 2014 in Vienna, Austria, we empower people to build financial freedom with a user-friendly, trade-everything platform. Our services span cryptocurrencies, crypto indices, stocks, precious metals, and commodities with 24/7 access. Our global team serves more than 6 million customers, making us one of Europe’s safest and most secure platforms for modern investing.

Headquartered in Austria and operating across Europe, our products are built by fast-moving, collaborative people who believe in taking initiative. We value diverse perspectives and a culture of getting things done as ONE TEAM. If you think big, move fast, and want to make an impact from day one, consider joining our industry-changing team.

Your Mission

Join our team as a Financial Risk Officer, specializing in leading and embedding financial risk management across the Bitpanda Group. You will support the Group Risk Management team by identifying, assessing, monitoring, and treating all types of financial and non-financial risks triggered by our crypto and financial products and services. You will build and maintain a culture of risk-management excellence, uphold Bitpanda’s Enterprise Risk Management framework, and promote innovative ways to safeguard customers and company assets. You will drive policies, standards, and challenge to ensure market, liquidity, credit, counterparty and capital risks are well-controlled, regulatory expectations are met, and the firm’s financial resilience underpins growth.

You will work independently with an entrepreneurial spirit, applying a strong analytical mindset and experience in financial risk management. Ideally, you have a passion for digital assets and related lifecycle processes and a desire to help build the foundations for the future of finance. Through your engagement across core business processes, you will challenge management to think differently about risk, becoming a key advisor to our business, products, technology, and operations teams.

You will report to the Group Head of Risk as a key part of Bitpanda’s Group Risk Management Team.

What you’ll do

• Champion the Financial Risk Framework – Own the Financial Risk Management Framework (FRMF), including policies, standards, and procedures across market, liquidity, credit, and capital risks. Define and oversee risk appetite, KRIs, limits, and escalation rules aligned with strategic and regulatory objectives. Review and enhance frameworks to reflect new products, markets, or regulatory changes.
• Risk Officer for our Financial Services Entity – Oversee all risk management matters for both financial and non-financial risks affecting our Financial Services entity, ensuring regulatory standards are upheld within appetite.
• Provide Oversight & Challenge – Provide independent 2LOD oversight of trading and treasury risk exposures across the full lifecycle of crypto and other traded assets (e.g., stocks). Challenge risk models, pricing assumptions, liquidity management, and market risk exposure; monitor trade lifecycle controls and escalate/remediate as needed.
• Regulatory & Capital Management – Support ICAAP/ICARA, liquidity assessments, and prudential reporting under MiCA, CASP, and MiFID II. Maintain up-to-date interpretation of evolving EU/UK regulatory expectations. Oversee stress testing and scenario analysis to inform capital and liquidity planning.
• Risk Measurement & Reporting – Develop concise risk reporting for market, liquidity, counterparty, and funding risks. Produce risk dashboards for leadership and the Risk Committee. Embed early-warning triggers and actionable insights in management reports.
• Collaboration & Advisory – Partner with Trading, Treasury, Product, Technology, and Operations to embed risk and control frameworks and ensure policy compliance. Advise on product design (e.g., lending, staking, margin) from a risk and control perspective. Collaborate with Non-Financial and ICT Risk for integrated risk insight across the business.

Who you are

• Seasoned Risk Professional – 5–8+ years in financial risk management, ideally in brokerage, trading, or crypto, with experience in fast-paced Fintech and Digital Asset environments. Proven 2LOD oversight and policy governance experience; exposure to institutional and retail client risk environments.
• Financial Risk Expert – Proficient in market, liquidity, credit, and capital risk management. Experience designing and maintaining policies, frameworks, and standards. Knowledge of MiCA, MiFID II, and prudential risk principles. Proficiency in analytics and reporting tools (Excel, Python, SQL). Deep understanding of MaRisk, BaFin, and the full financial product lifecycle—from licensing to settlement.
• Entrepreneurial, Adaptable & Great Communicator – Independent thinker, analytical, commercially pragmatic, and clear communicator with senior management and regulators. Adaptable to fast-moving market and regulatory landscapes.
• Proactive & Impact-Oriented – Self-starter who thrives in dynamic settings, driving high-impact, low-friction risk management practices. Digital Asset Advocate – Passionate about building a secure, compliant, and innovative digital asset ecosystem.

What’s in it for you

• Flexibility to work where you thrive – Hybrid working model with onsite collaboration and remote work, plus 25 days per year to work from a location of your choice.
• Reward for your impact – Competitive total compensation aligned with Bitpanda’s pay-for-impact policy, including stock option participation.
• Support for your mental wellbeing – Access confidential coaching, counselling, and mental health resources through OpenUP.
• Time to recharge – 3 additional days off in 2026 to prioritise wellbeing.
• Continuous learning – Unlimited access to Udemy’s library of online courses.
• Exclusive perks and rewards – Discounts and perks from partners worldwide.
• New parent leave – 8 weeks of gender-neutral new parent leave.
• Home office setup – Budget for a productive home workspace.
• On-site fuel and focus – Free onsite dining in Vienna, Bucharest, Barcelona, and Berlin.
• Recognition – Recognition and rewards for tenure at Bitpanda.
• Bitpanda pride – Access to Bitpanda-branded merchandise and gear.
• Team connection – Company events and gatherings across locations.

…and more location-specific benefits designed to make life at Bitpanda rewarding. Above all, you will have the opportunity to learn and grow as part of Bitpanda’s journey towards being Europe’s future #1 investment platform.

Bitpanda is committed to fostering a fair and equal environment based on trust and mutual respect. We believe that a diverse and inclusive workplace is paramount to our success and we are committed to building a team that represents a wide variety of backgrounds, perspectives, and skills. * These benefits may be adjusted at Bitpanda’s discretion and do not apply to internships. Some exceptions to the Hybrid Working policy apply to teams with shift schedules or roles requiring in-office presence.