At a Glance
- Tasks: Lead risk management for a cutting-edge financing platform in the digital economy.
- Company: Dynamic start-up revolutionising finance with AI and deep industry expertise.
- Benefits: Competitive salary, flexible work locations, and opportunities for professional growth.
- Other info: Join a fast-paced fintech environment with direct exposure to senior leadership.
- Why this job: Make a significant impact on innovative financial solutions and collaborate with industry leaders.
- Qualifications: Experience in risk management or structured finance, strong communication skills, and a proactive mindset.
The predicted salary is between 63000 - 77000 £ per year.
Our client is a well-backed start-up who are building a new world financing platform for the digital economy, combining deep industry expertise, robust risk and data models, and AI-native underwriting.
They are now looking for a Director of Structured Finance to join the team, as the most senior risk voice.
This role can be based in London or New York.
You will be responsible for building and owning the company's end-to-end risk management framework - from transaction-level risk assessment through portfolio monitoring and early warning systems.
Working in collaboration with the origination, legal, and finance teams, you will have a meaningful impact on deal structuring, the product offering and how your domain expertise is integrated into the underwriting platform.
This is a high-impact, highly visible role with direct exposure to senior leadership, clients, and the risk committee.
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.
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.
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Director Structured Finance employer: EC1 Partners
Join a forward-thinking global financial markets organisation that prioritises innovation and employee growth. With a hybrid work model in London, you'll enjoy a collaborative culture that values hands-on contributions and direct engagement with end users, allowing you to make a tangible impact on AI solutions. Benefit from opportunities to develop your skills in a dynamic environment while working alongside revenue-generating teams to drive meaningful change in the industry.
StudySmarter Expert Advice🤫
We think this is how you could land Director Structured Finance
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like EC1 Partners. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Director Structured Finance
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to EC1 Partners.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on EC1 Partners's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at EC1 Partners
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with EC1 Partners.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at EC1 Partners will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former EC1 Partners employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
