Senior Risk Architect – FinTech & Structured Finance

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

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.