About TF Bank

TF Bank is a forward-thinking financial institution specializing in credit card and payment solutions. With a strong Nordic heritage and a proven track record in operational efficiency and profitability, we are now targeting our credit card business towards Southern Europe, focusing on Spain and Italy. This is a rare opportunity to lead and build a business with all the preconditions for becoming a serious contestant in its niche within five years.

What We Offer

• A unique opportunity to lead a start-up operation in two major European markets with significant growth potential.
• Freedom, responsibility, and trust to shape and drive the business.
• Full support from colleagues across the TF Bank Group and reliable shared services.
• A chance to work in a Scandinavian business culture that values efficiency, innovation, and results.
• Hands-on involvement in creating and running a scalable, high-performance business in Southern Europe.

Your Responsibilities

As the Regional Manager, you will:

• Lead TF Bank’s credit card business in Spain and Italy, serving as the chief architect of our Southern European business strategy.
• Actively develop the business from the ground up, ensuring profitable organic growth with a lean, efficient structure.
• Build and nurture relationships with local partners, regulators, and key stakeholders.
• Recruit and manage a small, high-performing local team, scaling operations as the business grows.
• Be a key stakeholder for operational activities, including compliance, marketing, and product development, while utilizing group-level shared resources and external experts as needed.
• Drive market entry and scaling strategies for both Spain and Italy, tailoring offerings to meet market-specific consumer needs.
• Collaborate with TF Bank Group’s leadership to execute projects, share best practices, and contribute to the company’s overall success.

What We’re Looking For

We are searching for a highly driven and entrepreneurial professional with the following qualifications:

• Experience in credit cards.
• A hands-on mindset with the ability to work independently and thrive in a start-up-like environment.
• Proven track record in building and scaling businesses, particularly in financial services.
• Solid understanding of the Spanish and Italian markets, including regulatory landscapes, credit risk and customer behavior.
• Strong commercial acumen with experience in business development, partnerships, and team management.
• Fluency in English and at least one local language (Spanish or Italian) is required.
• Location: Málaga (in office policy)

Why Join TF Bank?

At TF Bank, we pride ourselves on:

• Operational efficiency and adaptability. We make decisions fast, take calculated risks, and embrace innovation.
• Access to state-of-the-art technology and expertise from our group and regional teams.
• A focus on local market customization to ensure we meet consumer needs effectively.
• A proven history of success across the Nordics, Germany and Baltics.

How We Operate

Our approach to growth is pragmatic and scalable:

• Begin with a lean structure (you as Regional Manager and a small local team) and expand as the business develops.
• Utilize group-level shared resources for IT, analytics, and back-office functions.
• Collaborate with external experts for specialized areas like Compliance and Legal to ensure high-quality operations without unnecessary overhead.
• Outsource non-critical functions to maintain focus on core developments and scalability.

Why You’ll Succeed

• Market potential: Spain and Italy offer significant opportunities in the consumer credit card market.
• Efficient execution: We prioritize making decisions quickly and experimenting with innovative solutions.
• Supportive environment: TF Bank’s group-level expertise and resources enable seamless market entry.

Next Steps

If you’re ready to lead this exciting venture and shape the future of TF Bank in Southern Europe, we’d love to hear from you.