Location: London / hybridReports to: CFOType: Permanent, full-timeLevel: Head of roleAbout Pockit and MonesePockit and Monese are all-in-one money apps that make it easier for people to access and manage the financial tools they need to take control of their money.We provide vital financial services, from accounts and cards to income advance solutions.
Make sure to apply with all the requested information, as laid out in the job overview below.
In October 2024, Pockit acquired Monese, bringing together two complementary businesses and creating a leading fintech company focused on serving people who are underserved by traditional banks.Together, we serve more than three million customers across the UK and Europe.We're a diverse, international and energetic team, with colleagues based across London, Newcastle, Tallinn and remote teams across Central Europe.
We value curiosity, ambition, accountability and resilience, and we want everyone to feel at home, have a voice and know that their contribution matters.
We give people the trust and space to take ownership, share ideas, influence decisions, and make a real impact on our customers and our business.The roleWe hold a UK consumer credit licence and are now building a regulated lending business in our own right.
This is a rare, genuinely greenfield mandate: you will stand up the credit risk function from the ground up and play a central role in shaping the lending products themselves: not inherit someone else's book and policy.You'll be the senior owner of credit risk, accountable to the executive team and central to our engagement with the FCA.
Equally, you'll sit shoulder-to-shoulder with Product to turn early product concepts into responsible, commercially sound, regulator-ready propositions.
We're looking for someone who has done the hard 0-to-1 work of launching a new UK credit product before, and wants to do it again, but better.Because we serve financially underserved customers, good customer outcomes and responsible lending aren't a compliance afterthought here; they're the point.
You'll set the standard.What you'll doShape the product: Partner with Product, Finance, Legal & Compliance to take our lending propositions from concept to launch: defining what we lend, to whom, on what terms, and how we price for fair value.
Your credit thinking will directly inform product design, not just sign off on it after the fact.Own credit strategy and policy: Set our risk appetite and credit policy for a new regulated consumer credit product: lending criteria, affordability and creditworthiness assessment, and the decisioning approach: built on credit bureau data, Open Banking, and our own rich
Head of Credit Risk in Kennington employer: Monese
Monese is an exceptional employer that fosters a dynamic and collaborative work culture, where innovation and teamwork are at the forefront of our operations. Located in a vibrant environment, we offer competitive benefits, opportunities for professional growth, and the chance to make a significant impact in the fintech space. Join us to be part of a forward-thinking team dedicated to transforming the way people manage their finances.
