Head of Credit Operations - Germany

Space Executive; Deutschland; Vor Ort; EUR 120.000 - 160.000; Vollzeit

Zusammenfassung

Space Executive in Germany seeks a Head of Credit Operations to lead a fast-growing credit function, building a team of underwriters and KYC specialists to about 25 within the first year. You will own underwriting and KYC workflows, ensuring timely, high-quality decisions while upholding risk controls.

Collaborating with Risk, Compliance, Product and Engineering, you will shape scalable processes and drive hiring, onboarding, and performance management.

Qualifikationen

• 4+ years in Credit Operations with underwriting/KYC background.
• 2+ years of people leadership managing 10+ staff.
• Experience in a fast-growing fintech environment.
• Strong knowledge of credit risk and KYC/AML requirements.
• Ability to translate policy into scalable operational execution.
• Excellent stakeholder management across Risk, Compliance, Product and Engineering.

Aufgaben

• Lead and scale the Credit Operations function and build a team of underwriters and KYC specialists to ~25 employees in year one.
• Own day-to-day underwriting and KYC processes with timely, high-quality credit decisions.
• Design scalable workflows and operating models to support growth while meeting risk standards.
• Establish underwriting and KYC procedures aligned with regulatory requirements and internal policies.
• Partner cross-functionally with Risk, Compliance, Product, and Engineering to translate policy into execution.
• Drive hiring, onboarding, and performance management, including training and QA.
• Monitor and report key metrics such as turnaround times and approval quality for continuous improvement.
• Ensure audit and regulatory readiness with strong documentation, controls, and escalation processes.

Kenntnisse

Credit risk

Underwriting

KYC

People leadership

Stakeholder management

Regulatory compliance

Operational design

Data-driven decisions

Jobbeschreibung

Head of Credit Operations:

Space Executive have partnered with a fast growing Fintech in the Embedded Finance space. They Partner with large enterprise platforms and leverage on their capital solution onto the platforms end customers, typically SMB's.

Due to continued growth in Germany, they have recently set up an office and starting to build the foundations.

The Role:

• Lead and scale the Credit Operations function, building and managing a team of underwriters and KYC specialists and growing the team to approximately 25 employees within the first year.
• Own day-to-day credit operations, including underwriting and KYC processes, ensuring timely, consistent, and high-quality credit decisions.
• Design and implement scalable workflows and operating models to support business growth while meeting defined service levels and risk standards.
• Establish and maintain underwriting and KYC procedures, ensuring alignment with regulatory requirements and internal credit and risk policies.
• Partner cross-functionally with Risk, Compliance, Product, and Engineering to translate credit policy into efficient operational execution.
• Drive hiring, onboarding, and performance management, including training, quality assurance, and career development for the credit operations team.
• Monitor and report on key operational metrics, such as turnaround times, approval quality, and compliance outcomes, using data to drive continuous improvement.
• Ensure audit and regulatory readiness, maintaining strong documentation, controls, and escalation processes.

Requirement:

• 4+ years of experience in Credit Operations, with a background in underwriting and/or KYC within a regulated financial services environment.
• 2+ years of people leadership experience, managing teams of 10+ employees, with demonstrated success in scaling and developing high-performing teams.
• Experience working in a fast-growing fintech, with comfort operating in a dynamic, high-growth, and evolving environment.
• Strong understanding of credit risk, underwriting processes, and KYC/AML requirements, with the ability to translate policy into effective operational execution.
• Proven ability to build scalable processes and workflows, balancing speed, quality, and risk management.
• Excellent stakeholder management and communication skills, with experience partnering cross-functionally across Risk, Compliance, Product, and Engineering.