Head of Lending

4 days ago

London, United Kingdom Kroo Full time

We’re creating the world’s most social bank and improving people’s relationship with money for good. Our mission is to remove the stress and social awkwardness that money creates, allowing people to freely enjoy their lives in a connected and meaningful way. We’re building a bank that’s better for customers, their friends, and the planet.

Here at Kroo, doing what is right is in our DNA. We act with integrity, transparency and honesty. We think big, dream big, and relentlessly pursue our goals. We like to be bold, break new ground, and we never stop learning. But most importantly, we are on this journey together.

The Head of Lending is a key role for Kroo. It will play an instrumental role in building a profitable business. You’ll have a unique opportunity to build a lending business from the ground up and bring a new approach to the retail lending market.

**What you’ll do**:

- Define Lending Policy including credit risk assessment and affordability calculations
- Develop credit risk scoring models
- Set the auto-approval and underwriting referral procedures. Monitor the performance of the underwriting teams providing hands-on guidance and management as required
- Liaise with Product, Marketing and Finance teams to agree a compelling customer proposition and product offering
- Define anti-fraud procedures and support the Financial Crime team
- Set the Kroo approach to forbearance and liaise with the Customer Operations team to implement
- Liaise with the Product teams and the cross-functional team of developers, designers and researchers to build Kroo’s lending products.

**Requirements**:**
- You have knowledge and experience working on retail lending products, especially overdrafts and unsecured loans
- You’re excited to create products from scratch, launch and grow them
- You want to be part of a team that will grow a brand new UK bank, and change the relationship people have with money, for good
- You’re a fintech enthusiast who wants to create something that will make waves in the fintech community

**Bonus points if**:

- You have managed lending portfolios and helped build a lending function from scratch, including the hands-on support of lending underwriting and analytics.
- You have experience working in startups or scale-ups
- You are eager to bring product management thought leadership, educating the team around you

**Process**:

- 30 minute hangout with the People team
- 45 minute hangout with one of the Chief Product Offiver
- 45 minute hangout with one of the Product team
- 45 minute hangout with our Chief Lending Officer and CPO

We think this process should be as much us interviewing you, as you interviewing us. If you receive an offer we invite you to meet more of the Kroo team (ie Head of Design and Head of Community)

Please let us know if you have any specific requirements or need assistance so we can be as accommodating as possible for you.

**Benefits**:**
What We Offer**
- A day off during the week of your birthday
- 33 days holiday (8 bank holidays + an additional 25)
- An employer-supported volunteer program (up to 4 hours/month)
- Personal Health days
- Access to the Spill mental health support service
- A workplace pension with a 3% employer contribution
- After 1 year, access to £500 from the Kroo Learning Fund for career-related L&D
- All the equipment you need to work remotely effectively, with a Macbook Pro as standard
- Access to our modern, bustling office in Holborn, Central London, includes a full gym.
- High degree of autonomy with support from an experienced and supportive team
- Room to grow and excel within a fast-paced, high grow growing start-up
- An ethically conscious company that is truly trying to change what's most broken about the industry

**Office/remote working**

**Diversity

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