Find a job 
Featured Companies 
Featured Universities 
For Companies At a Glance
- Tasks: Lead a team in credit risk management, focusing on operational performance and underwriting processes.
- Company: Pliant is revolutionising credit cards with innovative payment solutions for businesses worldwide.
- Benefits: Enjoy remote work flexibility, attractive pay, and perks like a company card for meals.
- Why this job: Join a diverse team in a fast-growing fintech, making a real impact on business growth.
- Qualifications: Experience in operational leadership and credit risk underwriting, preferably in fintech or banking.
- Other info: Work hybrid from London and collaborate with a dynamic, international team.
The predicted salary is between 43200 - 72000 £ per year.
ABOUT US
Since 2020, Pliant has been on a mission to rethink credit cards and empower companies to grow by providing a smart way to pay that scale with their business. With our app and API-based solutions, Pliant allows companies to issue physical and virtual credit cards, automate payment processes, track spending, and seamlessly integrate these data into their finance stack.
Pliant is growing quickly. With our expansion into 30 international markets, we believe that people, passion, and diversity are the key ingredients to our future success. Our growing team of 200+ Plianteers come from 35 nationalities and work remotely or in a hybrid environment from our headquarters in the heart of Berlin. And we’re looking for more talented and committed people to join us on our journey!
Want to learn more ? Who are Pliant
ABOUT THE ROLE
As Lead Credit Risk Management – SME (m/f/d), you will be responsible for the operational performance of the SME credit risk function, the development and leadership of the team, and strategic execution and development of credit risk underwriting and monitoring processes. While a strong foundation in credit underwriting is essential, the focus of this role lies in leading a high-performing team and enhancing business operations.
You will drive initiatives to achieve operational targets, optimize workflows, and continuously support the evolution of our credit tech stack towards automated decision making. You’ll work closely with the Lead for Risk Strategy and the VP of Credit to align underwriting strategies with business goals. You’ll also contribute to business goals by underwriting and monitoring customers yourself.
This role will be based in London (hybrid) .
WHAT YOU’LL DO
- Leadership : Lead and mentor a team of credit risk professionals, setting clear expectations and goals. Providing regular feedback and training to grow the team’s professional capabilities. Create a team culture rooted in ownership, collaboration, and continuous growth.
- Operational performance : Own, measure and drive the team’s achievement of operational KPIs and OKRs. Identify bottlenecks and blockers in workflows and resolve them together with the team. Continuously review and enhance operational processes to reduce handling times while keeping quality within agreed parameters.
- Underwriting : Perform credit assessments for SME clients, ensuring high-quality. Ensure documentation, compliance, and transparency across all credit processes.
- Collaboration : Align credit operations with broader risk strategy in partnership with the Risk Strategy Lead. Contribute to and support the development of automated decision strategies. Collaborate with Commercial, Product, Data, and Legal teams to align underwriting practice and tools with business needs.
- Communication : Facilitate smooth and fact-based information flow between your colleagues. Support the development of a culture of open dialogue, which is focused on mutual respect and the joint achievement of excellent results.
WHAT YOU’LL BRING
- Proven operational leadership experience, preferably in a bank or fintech.
- Deep understanding of credit risk underwriting for SME customers.
- Experience managing teams in fast-paced, tech-enabled environments.
- Demonstrated success in improving operational performance and scaling processes.
- Strong financial and risk analysis skills; familiarity with open banking data and transaction-level insights is a plus.
- Comfortable with APIs, decision engines, and data tools.
- Strong communication skills with the ability to drive cross-functional alignment.
- Determination and desire to work in a team to achieve high-quality results for our customers, even under stress.
- Fluent in English; additional European languages are a plus.
WHAT WE OFFER
- The opportunity to work in a growing team with big responsibilities that thrives on a strong exchange of knowledge and excellence
- Attractive remuneration
- Flat hierarchy and transparent communication in a relaxed, professional atmosphere
- Opportunity to develop your talent in a dynamic team with ambitious goals
- Flexibility and possibility to work remotely
- Monthly mobility benefit
- Wellhub Membership
- Company card with a monthly allowance for lunches, coffee, etc. with co-workers
#J-18808-Ljbffr
Lead Credit Risk Management – SME (m/f/d) employer: Pliant
Contact Detail:
Pliant Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Lead Credit Risk Management – SME (m/f/d)
✨Tip Number 1
Familiarise yourself with Pliant's mission and values. Understanding their approach to credit risk management and how they empower businesses will help you align your experience and vision with theirs during discussions.
✨Tip Number 2
Network with current or former employees of Pliant on platforms like LinkedIn. Engaging in conversations about their experiences can provide valuable insights into the company culture and expectations for the Lead Credit Risk Management role.
✨Tip Number 3
Prepare to discuss specific examples of how you've improved operational performance in previous roles. Highlighting your achievements in scaling processes and leading teams will demonstrate your capability to excel in this position.
✨Tip Number 4
Stay updated on trends in credit risk management, especially within fintech. Being knowledgeable about the latest technologies and strategies will show your commitment to innovation and your readiness to contribute to Pliant's growth.
We think you need these skills to ace Lead Credit Risk Management – SME (m/f/d)
Some tips for your application 🫡
Understand the Role: Before applying, make sure you fully understand the responsibilities and requirements of the Lead Credit Risk Management position. Tailor your application to highlight your relevant experience in credit risk underwriting and operational leadership.
Craft a Compelling CV: Your CV should clearly showcase your experience in managing teams, improving operational performance, and your understanding of credit risk for SME customers. Use specific examples and metrics to demonstrate your achievements.
Write a Strong Cover Letter: In your cover letter, express your passion for the role and the company. Highlight how your skills align with Pliant's mission and values, and mention your ability to lead a team in a fast-paced, tech-enabled environment.
Proofread Your Application: Before submitting, carefully proofread your CV and cover letter for any spelling or grammatical errors. A polished application reflects your attention to detail and professionalism, which are crucial in the finance sector.
How to prepare for a job interview at Pliant
✨Showcase Your Leadership Skills
As a Lead Credit Risk Management candidate, it's crucial to demonstrate your leadership experience. Prepare examples of how you've successfully led teams in the past, focusing on mentorship, setting clear goals, and fostering a collaborative culture.
✨Understand Credit Risk Underwriting
Make sure you have a solid grasp of credit risk underwriting, especially for SME clients. Be ready to discuss your approach to credit assessments and how you ensure compliance and transparency in processes.
✨Highlight Operational Performance Improvements
Pliant values operational excellence, so come prepared with specific examples of how you've improved workflows and achieved operational KPIs in previous roles. Discuss any tools or strategies you've implemented to enhance performance.
✨Demonstrate Cross-Functional Collaboration
Collaboration is key in this role. Be ready to share experiences where you've worked with different teams, such as Commercial, Product, or Legal, to align strategies and achieve common goals. Highlight your communication skills and ability to facilitate open dialogue.
