Lead Credit Underwriter

Kriya; City Of London; On-site; GBP 60,000 - 80,000; Full time

Job summary

A leading FinTech company in London seeks a talented individual to lead risk initiatives and manage a diverse portfolio in underwriting and structuring business deals. You will work closely with cross-functional teams to support product expansion and ensure risk performance aligns with commercial goals. Strong analytical skills and a collaborative mindset are essential for success in this impactful role. Benefits include generous leave policies and wellness initiatives.

Benefits

60 days work from abroad allowance

Private health coverage

Discounted gym memberships

Amazon Kindle allowance

Enhanced maternity/paternity leave

25 days annual leave plus Birthday off

Access to Tate Modern Exhibitions

Lunch provided on in-office days

Monthly breakfast treats

Qualifications

• Proven experience in underwriting businesses and structuring credit deals.
• Experience in building and managing a diversified portfolio.
• Ability to critically assess financial performance and analyze large data sets.
• Track record of solving complex problems.
• Strong communication and collaboration skills.
• Excellent organizational skills for managing multiple work streams.

Responsibilities

• Lead development of processes for assessing merchant partners.
• Manage underwriting and structuring of business deals.
• Proactively manage a merchant portfolio.
• Support expansion of products into new segments.
• Collaborate with cross-functional teams.
• Lead risk initiatives as business grows.

Skills

Underwriting experience

Credit deal structuring

Analytical mindset

Problem-solving abilities

Communication skills

Organizational skills

Excel proficiency

Power Point proficiency

Job description

Overview

Kriya's suite of financial tools keeps business flowing brilliantly by providing frictionless access to payments, credit and working capital through seamless integrations and instant credit decisions.

Founded in 2011, Kriya has helped businesses collect over £28 billion in B2B payments, and advanced over £3.7 billion worth of credit through working capital and business loans. Kriya has a wide-reaching network of strategic partners including Barclays Bank, Stripe, Halfords and the British Business Bank, and is backed by prestigious equity investors including Northzone, Barclays Bank and Mouro Capital (owned by Santander Bank).

What you’ll be doing

• Leading the development of the framework and processes for assessing prospective merchant partners and other key risk initiatives
• Leading the underwriting and structuring of new business deals (£10-100m turnover range)
• Owning and pro-actively managing a merchant portfolio, ensuring that you can balance delivering risk performance within appetite with commercial goals such as processed volume and revenue
• Taking the lead on risk strategy and processes to support the expansion of our products into new segments, customer types, jurisdictions and sales channels
• Work closely within a cross-functional team including Commercial, Product, Data and Finance to deliver company goals
• Leading on a range of Risk initiatives as the business grows and the product offering evolves - you will be a key point of contact in the Kriya Risk team

What you’ll have

• Proven experience in underwriting businesses and structuring credit deals including considerations of performance covenants, monitoring and security structures
• Proven experience in building and effectively managing a diversified portfolio and maximising risk-adjusted returns
• Highly analytical mindset, ability to critically assess financial performance and analyse large data sets to identify patterns
• A track record of solving complex problems through a methodical approach
• Strong communication, interpersonal and collaboration skills
• Excellent organisational skills and the ability to effectively prioritise and manage multiple work streams in parallel
• Proficiency with the use of Excel and Power Point

Our company values

#MakeItHappen:

We\'re focused on getting the important stuff done first. We don\'t get bogged down in long emails and lots of meetings, we find solutions (they\'re out there!) and get it done!

#AlwaysBeLearning:

The only constant is change: we embrace change and learn. We ask and listen for feedback and always provide it too.

#1Team1Dream

We always put the whole company first - when we succeed collectively, we all succeed individually. Everyone has a voice, we listen to each other\'s opinions.

Not only will you have the opportunity to make a huge impact at one of the UK\'s leading FinTech companies, you will also have access to

• 60 days work from abroad allowance
• A great office in the heart of Shoreditch
• Private health coverage and discounted gym memberships
• Amazon Kindle and book purchase allowance
• Enhanced maternity/paternity leave
• 25 days of annual leave per year, plus your Birthday off
• Access to Tate Modern Exhibitions
• Lunches provided on in-office days (Tuesdays and Thursdays) plus monthly breakfast treats

Our Commitment to You

We will do our best to reply to all applications, however, if you have yet to have a response within 8 weeks, please assume your application has not been successful.

Kriya is constantly working to maintain and improve our inclusive, friendly workplace. We ensure that both applicants and our people receive unbiased treatment without discrimination on the grounds of gender, age, disability, religion, belief, sexual orientation, marital status, race or any other protected characteristic.

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