Senior Credit Underwriter

Kriya Finance Limited; London; On-site; GBP 60,000 - 90,000; Full time

Job summary

A financial technology firm in London seeks a skilled professional to lead risk assessments and manage merchant portfolios. The role requires proven experience in underwriting and credit structuring, as well as strong analytical and problem-solving abilities. This position also involves collaboration across various teams to support company objectives. Competitive benefits include private health coverage and flexible working arrangements.

Benefits

60 days work from abroad allowance

Private health coverage

Discounted gym memberships

25 days of annual leave plus birthday off

Lunches provided on in-office days

Qualifications

• Proven experience in underwriting businesses and structuring credit deals.
• Ability to critically assess financial performance and analyse large data sets.
• Strong problem-solving skills through a methodical approach.

Responsibilities

• Leading the development of risk assessment frameworks.
• Managing a merchant portfolio to balance risk and commercial goals.
• Collaborating with cross-functional teams to achieve company goals.

Skills

Underwriting and structuring credit deals

Analytical mindset

Communication and interpersonal skills

Organisational skills

Proficiency in Excel and PowerPoint

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).

Responsibilities

• 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

Qualifications

• 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

Company values

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

Benefits

• 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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