Credit Ops Lead - Equity & First‑Line Financing (Paris)

Pennylane SAS; Paris; Hybrid; EUR 110,000 - 150,000; Full time

Benefits offered by this job

25 vacation days paid by Pennylane

Competitive compensation package

Equity

Home office budget

Coworking space budget

Gymlib fitness access

Latest Apple equipment

Remote-friendly within Europe

Job summary

Pennylane SAS in Paris is seeking a Credit Operations Lead to build and launch Pennylane’s first-line credit operations for our own-book financing. You will translate Risk policy into executable decisions, workflows and auditable outcomes while staying hands-on during the launch.

As volumes grow, you will recruit and lead credit analysts, define the operating model and KPIs, and partner with Product, Tech and Risk to scale the function.

Qualifications

• Significant experience in credit or underwriting operations within regulated financial services.
• Experience managing operational quality, SLAs and capacity; leadership or strong player-coach track record.
• Strong understanding of first-line credit operations and responsibilities of Operations and Risk.
• Experience collaborating with Product or Tech on workflows, tooling and automation.
• Ability to use operational and portfolio indicators to identify early-warning signals and plan capacity.
• Ability to make structured, well-documented decisions and communicate clearly to stakeholders.
• Experience with SME financing products (e.g., invoice financing, short-term working capital) is a plus.

Responsibilities

• Own end-to-end execution of credit origination, including manual reviews and delegated decisions within first-line mandate.
• Build the credit operating model with procedures, decision trees, authorities and KPIs.
• Monitor active book; handle repayment incidents and escalation per policy.
• Manage relationship with the financing partner; define SLAs and escalation for servicing, disbursement and collection.
• Provide feedback on policy effectiveness and portfolio signals; risk remains accountable for appetite and oversight.
• Collaborate with Product, Tech, Risk and Data to design origination workflows and tooling.
• Remain hands-on during launch; recruit and lead initial credit analysts as volumes grow.

Skills

Credit operations experience

Operational quality & SLAs

First-line credit operations

Product/Tech collaboration

Portfolio indicators & analytics

Structured decision making

SME financing knowledge

Bilingual: French & English

Job description

Pennylane SAS in Paris is seeking a Credit Operations Lead to build and launch Pennylane’s first-line credit operations for our own-book financing. You will translate Risk policy into executable decisions, workflows and auditable outcomes while staying hands-on during the launch.

As volumes grow, you will recruit and lead credit analysts, define the operating model and KPIs, and partner with Product, Tech and Risk to scale the function.