Fractional Credit & Risk Lead – FinTech

This is a fully remote position, open to applicants in United Kingdom.

📋 Description

• Assist in the development of credit-assessment and risk frameworks.

• Establish suitable credit and risk principles.

• Provide guidance on SME/business credit evaluations.

• Aid in the creation of credit decision-making strategies.

• Identify relevant financial and non-financial data inputs.

• Help ascertain appropriate risk indicators and decision criteria.

• Collaborate with Product, Data, and Engineering teams to translate credit insights into actionable requirements.

• Support the development and validation of methodologies related to credit.

• Advise on portfolio and concentration risk as the business evolves.

• Ensure appropriate governance and documentation practices are followed.

• Contribute specialized knowledge to product and commercial discussions.

• Assist in establishing a scalable credit-risk capability as the company expands.

⛳️ Requirements

• Extensive experience in credit risk or credit assessment.

• Deep understanding of business or SME credit.

• Proven experience in developing or significantly contributing to credit frameworks or models.

• Strong analytical skills and commercial judgment.

• Experience in interpreting financial and relevant data.

• Knowledge of credit decision-making processes.

• Experience working collaboratively with technical and Product teams.

• Ability to convey complex risk concepts in a clear manner.

• Experience in financial services or FinTech sectors.

• Capacity to work independently in an early-stage environment.

• Experience in SME lending, trade finance, banking, alternative finance, FinTech, credit scoring or decision-making, alternative data, portfolio risk, cross-border finance, or financial-services technology is especially valuable.

• Submission of a CV and cover letter is required.

• Must respond to all mandatory qualifying questions in the cover letter.

• Must consistently dedicate approximately 6–8 hours per week alongside other professional responsibilities.

🏝️ Benefits

• Flexible, fractional engagement of approximately 6–8 hours per week.

• Opportunity for longer-term involvement in the company's growth.

• Details of the participation structure will be discussed with candidates advancing through the selection process.