Credit Risk Strategy Lead

2 weeks ago

London, Greater London, United Kingdom Uncapped Full time

Hybrid role based in London

Role overview

As a Credit Risk Strategy Lead, you will oversee the comprehensive credit risk management for Uncapped's small ticket business lending portfolio. This role entails developing and maintaining credit risk policies and strategies, while ensuring adherence to all relevant lending laws and regulations.

In this position, you will work closely with key internal stakeholders to implement credit risk initiatives, build a high-performing team, and foster strong cross-functional relationships with Sales, Operations, Engineering, Product, and external partners.

You will have at least 10 years of experience in credit risk management roles within the fintech or banking industry, focusing on the consumer or SME lending sector, with at least 5 years in managerial positions.

We are looking an individual with an entrepreneurial and innovative spirit, coupled with a strong analytical mindset. Given Uncapped's reliance on non-standard data sources for loan underwriting, robust technical skills and a principles-first approach are essential.

About Uncapped

Founded in 2019, Uncapped is the fastest, most affordable way for growing online businesses to fund marketing and inventory. The company was born out of frustration with the limited financing options available for UK and European entrepreneurs to finance growth.

Uncapped provides working capital loans to brands and retailers around the world, doing between $10m and $100m in turnover.

Uncapped has raised VC funding from most notable investors including Lakestar, Mouro Capital, Global Founders Capital, White Star Capital, Seedcamp, and All Iron Ventures.

What you will do

  • Responsible for comprehensive credit risk management for Uncapped's small business lending portfolio, covering all aspects from start to finish.
  • Oversee the development and implementation of Credit Risk policies and credit assessment processes, including the creation of risk models, scoring systems, and underwriting criteria. Ensure adherence to all relevant lending laws and regulations.
  • Work closely with executive leadership to ensure risk management initiatives are aligned with business goals. Prepare and deliver detailed risk reports to executive leadership, the board, and other stakeholders.
  • Drive positive selection within the lending portfolio by influencing factors such as marketing, pricing, product development, segmentation, customer experience, and underwriting.
  • Develop and implement effective loss mitigation strategies that deliver robust performance, scale with portfolio needs, and are cost-effective.
  • Optimise the risk-return profile through strategic initiatives. Collaborate with key internal stakeholders to implement risk management initiatives.
  • Foster strong leadership within the team and focus on building a high-performing team.
  • Establish strong cross-functional relationships with departments including Sales, Operations, Engineering, Product and external partners.

Requirements

Who you are

  • Experience: You have at least 10 years of experience in credit risk management roles within the fintech or banking industry, focusing on the consumer or SME lending sector, with at least 5 years in managerial positions.
  • Business Acumen: You possess strong knowledge of business processes with a comprehensive operational perspective of financial institutions.
  • Track Record: You have a proven history of developing and implementing highly analytical credit risk strategies and a deep understanding of credit risk modelling, regulatory compliance, and risk mitigation strategies.
  • Analytical Skills: You are proficient in statistical analysis, algorithm development, and state-of-the-art data science tools and methodologies (experience with advanced machine learning techniques is a plus).
  • Tech Orientation: You are familiar with emerging technologies and their impact on risk management in the fintech space.
  • Communication: You have strong communication skills.
  • Career Growth: Your career is marked by a steep trajectory, with increasing levels of responsibility and demonstrable examples of driving value creation through innovation.

Benefits

What we offer

At Uncapped, our people make us successful. We are a start-up with big goals, and we work hard, so we want to give everyone the benefits they really want. We are continually adding to this list as new people join -- here are some of the things you can expect:

  • Unlimited holiday: we believe that well-rested and happy people make the best employees
  • Competitive compensation plan
  • Personal growth fund: Raise your game from great to spectacular
  • Monthly recognition and awards: Celebrate wins big and small
  • The opportunity to make a big impact every day on the lives of European and US entrepreneurs.
  • Workspaces in Warsaw, London and Atlanta

We can only consider applications from candidates eligible to work in the UK without requiring visa sponsorship.

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