Head of Credit Risk

A Head of Credit Risk is required by a B2B Lending FinTech start-up to join the founding team ahead of their launch in the UK and US next year. The firm has secured pre-seed funding with a world-leading investor and the leadership team have a proven track record in raising capital and growing successful businesses. They operate a hybrid working model where you will be able to split your time between home and the office in the City. Equity is on offer (initially focused on UK-based options) for the successful individual.

This is a broad role where you’ll be able to design and shape the rules and policies which underpin our underwriting. You’ll work hand-in-hand with product and engineering to ensure the best onboarding and underwriting experience through a build and partner approach. In addition, you will support the CEO with financial modelling and own the risk and loan portfolio modelling alongside working with third parties where required (e.g. debt funders and consultancy support). In due course, you will also be recruiting the first team members into your team.

Responsibilities will include

• Developing Decision Engine rules for new lending products
• Operating as a key stakeholder for CTO in determining product build and requirements
• Building Operational and Risk models used to determine portfolio management strategy
• Developing credit and risk policy frameworks
• Assessing/testing applications for new lending requests to analyse credit worthiness, carrying out due diligence as per company requirements
• Hiring, leading, managing and coaching the Credit and Risk team as the business grows
• Directly shaping the culture and direction of the organisation as a leader in the organization

You will be a highly experienced Credit Risk professional with deep expertise in the credit lifecycle from origination to collections. Experience from a B2B (SME) lending environment is strongly preferred, although exceptional candidates from the consumer lending arena will also be considered. You will have experience of building a product ‘from scratch’ alongside product or engineering specialists or at least the aptitude and desire to do so. Any experience of Python, SQL or R as well as any analytics experience would be advantageous but is not essential.

Location:London

Salary:£80k - £90k + equity

Reference:414967

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