Director of Risk

Fintech Intel; Greater London; Hybrid; GBP 90,000 - 130,000; Full time

Job summary

EC1 Partners in London recruits fintech leadership and risk specialists for a global client base. The firm connects top financial technology businesses with exceptional talent across EMEA, the Americas and APAC.

Our consultants bring deep fintech market knowledge and networks, delivering outcomes for clients and candidates worldwide. We span payments, capital markets, eTrading, RegTech, crypto and more.

Qualifications

• Experience in risk management and/or structured finance; top-tier banks preferred.
• Independent ownership of a risk framework at a credit provider.
• Exposure to B2C digital business models and performance marketing inputs as risk inputs.
• Experience in risk assessment or structuring of complex transactions with risk controls.
• Track record presenting risk frameworks to risk committees or boards.
• Ability to design covenant packages, triggers and reporting within transaction docs.
• Clear communicator translating complex risk positions for non-technical stakeholders.
• Comfortable building risk frameworks in fast-paced fintech environments.

Responsibilities

• Partner with origination teams on deal qualification, embedding risk from screening to closing.
• Own and evolve the risk management framework including risk appetite, policies and governance.
• Build portfolio risk monitoring infrastructure: early warnings, covenant tracking, stress tests.
• Develop quantitative models to assess PD, LGD, and EAD across the portfolio.
• Prepare risk assessments, investment memos, and portfolio reports for risk committee.
• Lead counterparty and concentration risk analysis at deal and portfolio levels.
• Collaborate with legal counsel on risk-protective documentation (term sheets, credit agreements).

Skills

Risk management

Structured finance

Portfolio risk

Governance processes

Credit risk modeling

Stakeholder communication

Job description

Candidate Requirements

What you will bring:

• Experience in risk management and/or structured finance, or specialty lending — Top Tier Banks or large-scale alternative lending platform strongly preferred.
• Proven independent ownership of a risk framework at a credit provider.
• Prior exposure to B2C digital business models and performance marketing economics (LTV, CAC, payback periods) as core risk inputs is a significant advantage.
• Experience in risk assessment or structuring of complex transactions (multiple lenders, multiple geographies, complex legal framework ) with embedded risk controls.
• Track record presenting risk frameworks and portfolio assessments to risk/investment committees or boards.
• Ability to design risk‑protective covenant packages, trigger mechanisms, and reporting frameworks within transaction documentation.
• Clear communicator – able to translate complex risk positions into concise memos and recommendations for non‑technical stakeholders.
• Comfortable operating in fast‑paced fintech environments where risk frameworks must be built, not inherited.

What you will be doing:

• Partner with origination teams on deal qualification, ensuring risk considerations are integrated from initial screening through closing.
• Own and continuously evolve the risk management framework, including risk appetite, policies, concentration limits, and governance processes.
• Build and maintain portfolio risk monitoring infrastructure: early warning indicators, covenant compliance tracking, performance triggers, and stress testing.
• Develop quantitative risk models to assess probability of default, loss given default, and expected loss across the portfolio.
• Prepare and present risk assessments, investment memoranda, and portfolio reports to the risk committee and senior leadership.
• Serve as a key contributor in negotiations with financial partners and prospects.
• Lead counterparty risk and concentration risk analysis at both deal and portfolio level.
• Collaborate with legal counsel on risk‑protective transaction documentation, including term sheets, credit agreements, and covenant packages.

Founded in London in 2008, EC1 Partners is a global FinTech recruitment and executive search consultancy, connecting the world’s leading financial technology businesses with exceptional talent. With offices in London, New York and Singapore, we support clients across EMEA, the Americas and APAC, delivering specialist recruitment solutions from high‑growth startups to global financial institutions.

We recruit across the full FinTech ecosystem, including Payments, Capital Markets, eTrading, RegTech, Crypto & Digital Assets, ESG & ClimateTech, Data, Research & Analytics, and Buy Side technology.

Our expertise spans every core business function, including AI, Technology, Product Management, Sales, Marketing, Customer Success, Professional Services, Pre‑Sales, Operations, Legal, Risk & Compliance. Many of our consultants come from FinTech backgrounds, giving us deep market knowledge, extensive industry networks and the ability to deliver outstanding outcomes for both clients and candidates worldwide.