At a Glance
- Tasks: Lead Kriya's risk strategy and oversee the full credit lifecycle.
- Company: Join a leading fintech company transforming embedded finance.
- Benefits: Competitive salary, leadership role, and opportunity to shape the future of finance.
- Other info: Exciting opportunity to work with AI and advanced risk analytics.
- Why this job: Make a real impact in a high-visibility role with a dynamic team.
- Qualifications: 7-10 years in finance, strong analytical skills, and leadership experience.
The predicted salary is between 72000 - 108000 € per year.
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).
About the role: We’re looking for an exceptional Head of Risk to join our leadership team and take end-to-end ownership of risk strategy and execution across the business. This is a high-impact, high-visibility role reporting directly to the CEO. As Head of Risk, you’ll lead the development and execution of Kriya’s enterprise-wide risk framework and collaborate with Commercial, Product, Data, Finance and Legal teams. You’ll oversee the full credit lifecycle—from analytics, underwriting and structuring, through monitoring, compliance and collections—while guiding a high-performing risk team. Also, you will lead the use of AI and Advanced Risk analytics across the risk function. This is a rare opportunity to shape the future of embedded finance and digital lending at a company with massive reach and momentum.
What You’ll Do:
- Develop and lead Kriya’s risk strategy across all business lines, products, and geographies.
- Serve as a key advisor to the CEO and Board on risk appetite, governance, and portfolio.
- Lead, grow, and mentor a high-performing Risk team (8 people on day one).
- Guide collections strategy and recovery workflows, ensuring efficiency and customer-centricity.
Requirements:
- 7-10 years in debt capital markets, structured finance or corporate banking with a track record of leading complex credit transactions.
- STEM degree with strong analytical and decisioning skills.
- Based in London or open to relocation to London.
- Experience overseeing complex underwriting and deal structuring.
- Demonstrated leadership across multiple dimensions of risk.
- Proven ability to build and manage diversified portfolios and optimise risk-adjusted returns.
- Advanced analytical skills: financial modeling, large-data interrogation and critical credit assessment.
- Good communication and conflict resolution skills.
- Interest/Experience in leveraging AI tools.
Head of Credit Risk and Fraud employer: Kriya
Kriya is an exceptional employer that fosters a dynamic and innovative work culture, where employees are empowered to lead and shape the future of embedded finance. With a strong focus on professional growth, Kriya offers ample opportunities for mentorship and development within a collaborative environment, all while being at the heart of London’s vibrant financial landscape. Joining Kriya means being part of a forward-thinking team that values creativity and strategic thinking, making a meaningful impact in the world of credit risk and fraud management.
StudySmarter Expert Advice🤫
We think this is how you could land Head of Credit Risk and Fraud
✨Tip Number 1
Network like a pro! Reach out to connections in the finance and risk sectors, especially those who might know someone at Kriya. A friendly chat can sometimes lead to insider info or even a referral!
✨Tip Number 2
Prepare for the interview by diving deep into Kriya’s products and their impact on businesses. Show us you understand their mission and how your experience aligns with their goals—this will make you stand out!
✨Tip Number 3
Don’t just talk about your past roles; share specific examples of how you’ve led teams and managed risk strategies. We love hearing about real-life scenarios that showcase your skills and leadership style.
✨Tip Number 4
Finally, apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows you’re genuinely interested in joining our team at Kriya.
We think you need these skills to ace Head of Credit Risk and Fraud
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Head of Credit Risk and Fraud role. Highlight your experience in debt capital markets and structured finance, and don’t forget to showcase your leadership skills and analytical prowess!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you’re the perfect fit for Kriya. Mention specific experiences that align with the job description and show your passion for risk management and AI tools.
Showcase Your Achievements:When detailing your past roles, focus on your achievements rather than just responsibilities. Use metrics to demonstrate how you’ve led complex credit transactions or improved risk strategies in previous positions.
Apply Through Our Website:We encourage you to apply through our website for a smoother application process. It’s the best way for us to receive your application and ensures you don’t miss out on any important updates!
How to prepare for a job interview at Kriya
✨Know Your Risk Frameworks
Before the interview, brush up on Kriya's risk strategy and frameworks. Understand how they integrate AI and advanced analytics into their processes. This will show your genuine interest in the role and help you discuss how your experience aligns with their needs.
✨Showcase Your Leadership Skills
Prepare examples of how you've led teams in high-pressure situations. Highlight your experience in mentoring and developing talent, as this is crucial for the Head of Risk position. Be ready to discuss specific outcomes from your leadership that benefited your previous employers.
✨Understand the Business Landscape
Familiarise yourself with Kriya's partners and competitors. Knowing about Barclays Bank, Stripe, and others will help you contextualise your answers and demonstrate your understanding of the financial tools landscape. This knowledge can set you apart from other candidates.
✨Prepare for Technical Questions
Expect questions around credit transactions, underwriting, and risk assessment. Brush up on your analytical skills and be ready to discuss financial modelling and data interrogation techniques. Showing confidence in these areas will reassure them of your capability to handle the role.
