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- Tasks: Lead the assessment of merchant partners and manage a diverse portfolio.
- Company: Kriya is a leading FinTech firm revolutionising access to payments and credit since 2011.
- Benefits: Enjoy remote work options, private health coverage, gym discounts, and 25 days annual leave.
- Why this job: Make a significant impact in a dynamic team while embracing learning and collaboration.
- Qualifications: Experience in underwriting, strong analytical skills, and proficiency in Excel and PowerPoint required.
- Other info: Join a friendly, inclusive workplace with a commitment to personal and professional growth.
The predicted salary is between 43200 - 72000 £ 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).
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 are:
#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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Lead Credit Underwriter employer: Kriya
Contact Detail:
Kriya Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Lead Credit Underwriter
✨Tip Number 1
Familiarise yourself with Kriya's suite of financial tools and their unique selling points. Understanding how they provide frictionless access to payments and credit will help you articulate your value during discussions.
✨Tip Number 2
Network with professionals in the FinTech industry, especially those who have experience in underwriting and risk management. Engaging with them can provide insights into the role and may even lead to referrals.
✨Tip Number 3
Brush up on your analytical skills, particularly in assessing financial performance and analysing large data sets. Being able to demonstrate your analytical mindset in conversations will set you apart from other candidates.
✨Tip Number 4
Prepare to discuss your experience in managing diversified portfolios and maximising risk-adjusted returns. Be ready to share specific examples that highlight your problem-solving abilities and collaboration skills.
We think you need these skills to ace Lead Credit Underwriter
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in underwriting and structuring credit deals. Use specific examples that demonstrate your analytical skills and ability to manage a diversified portfolio.
Craft a Compelling Cover Letter: In your cover letter, express your understanding of Kriya's mission and values. Highlight how your experience aligns with their focus on risk performance and commercial goals, and mention your collaborative skills for working within cross-functional teams.
Showcase Analytical Skills: Provide examples in your application that showcase your analytical mindset. Discuss how you've critically assessed financial performance and analysed large data sets in previous roles, as this is crucial for the Lead Credit Underwriter position.
Demonstrate Problem-Solving Abilities: Include instances where you've solved complex problems through a methodical approach. This will resonate well with Kriya's emphasis on finding solutions and embracing change.
How to prepare for a job interview at Kriya
✨Understand Kriya's Values
Familiarise yourself with Kriya's core values: #MakeItHappen, #AlwaysBeLearning, and #1Team1Dream. Be prepared to discuss how your personal values align with theirs and provide examples of how you've embodied these principles in your previous roles.
✨Showcase Your Analytical Skills
As a Lead Credit Underwriter, you'll need a strong analytical mindset. Prepare to discuss specific instances where you've assessed financial performance or analysed large data sets. Highlight any tools or methodologies you used to identify patterns and make informed decisions.
✨Demonstrate Problem-Solving Abilities
Kriya is looking for someone who can solve complex problems methodically. Think of examples from your past experience where you faced challenges in underwriting or structuring credit deals, and explain how you approached and resolved those issues.
✨Prepare for Cross-Functional Collaboration
You'll be working closely with teams across Commercial, Product, Data, and Finance. Be ready to discuss your experience in collaborating with diverse teams and how you ensure effective communication and alignment towards common goals.
