About 0TO9

Team Is All

Ideas matter – but people make them real. In finance, that’s harder than it should be. Innovation shapes how we live, but progress is slowed by complexity, regulations, and outdated systems. Too often, great people go elsewhere.

0TO9 exists to change that.

We’re a fintech venture builder and investor – a bank for entrepreneurship, founded in Stockholm in 2025 by serial entrepreneur Oliver Hildebrandt.

Our mission: bring the right people, skills, and resources together so fintech founders can focus on building. From capital and compliance to tech and talent, we create an infrastructure for success.

Numbers are the building blocks of finance and with zero to nine, we can build anything. Our name says it all: From you to a team. From idea to impact. From now to what’s next.

With offices in Stockholm and Berlin, operations across the Nordics, and a growing portfolio – we’re just getting started.

About the role

We're looking for a Chief Credit Officer to lead the credit function across 0TO9’s venture operations and fintech products. You’ll play a critical role in helping us build scalable credit solutions - providing both strategic direction and operational excellence. You will:

• Define the overall credit strategy for 0TO9, including portfolio goals, product design, and credit appetite.
• Oversee credit policy, underwriting models, and decisioning frameworks - enabling robust yet efficient credit processes.
• Build and lead a high-performing credit team, spanning credit analysis, structuring, and portfolio monitoring.
• Collaborate closely with product, tech, and venture teams to design new credit products and market offerings.
• Take ownership of credit risk governance, ensuring sound alignment with regulatory standards and capital requirements.
• Engage with external partners, investors, and regulators on credit-related matters.
• Drive credit operations and performance management across markets, with oversight over exposures, performance metrics, and continuous improvement.

What we’re looking for

We’re looking for someone with a strong background across credit strategy, credit products, and credit risk management, ideally in fintech, banking, or alternative finance. You may currently be a CCO, Head of Credit, Credit Director, or in a leadership role ready for your next step. You bring:

• Extensive experience in SME or corporate lending, from credit point of view
• A strategic mindset with the ability to balance commercial growth and risk discipline.
• Hands-on experience building and operating credit frameworks in fast-paced, regulated environments.
• Strong stakeholder management skills, with the ability to communicate credit concepts to both technical and business audiences.
• Experience building and scaling credit operations and teams.
• Fluency in English (Swedish is a plus, but not required).

What we offer:

• Be part of the leading fintech venture builder
• A dynamic, entrepreneurial, international and fast-paced environment
• Beautiful office in the heart of Stockholm
• Strong opportunities for growth and development