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- Tasks: Lead and scale the Credit Operations team, ensuring high-quality credit decisions.
- Company: Fast-growing Fintech in the Embedded Finance space with a dynamic culture.
- Benefits: Competitive salary, career development opportunities, and a chance to shape a new office.
- Why this job: Make a real impact in a rapidly evolving fintech environment while leading a talented team.
- Qualifications: 4+ years in Credit Operations and 2+ years in people leadership required.
- Other info: Join a collaborative team focused on innovation and growth.
The predicted salary is between 48000 - 84000 £ per year.
Overview: Space Executive have partnered with a fast growing Fintech in the Embedded Finance space. They partner with large enterprise platforms and leverage their capital solution onto the platforms' end customers, typically SMBs.
Due to continued growth in Germany, they have recently set up an office and are starting to build the foundations.
The Role:
- Lead and scale the Credit Operations function, building and managing a team of underwriters and KYC specialists and growing the team to approximately 25 employees within the first year.
- Own day-to-day credit operations, including underwriting and KYC processes, ensuring timely, consistent, and high-quality credit decisions.
- Design and implement scalable workflows and operating models to support business growth while meeting defined service levels and risk standards.
- Establish and maintain underwriting and KYC procedures, ensuring alignment with regulatory requirements and internal credit and risk policies.
- Partner cross-functionally with Risk, Compliance, Product, and Engineering to translate credit policy into efficient operational execution.
- Drive hiring, onboarding, and performance management, including training, quality assurance, and career development for the credit operations team.
- Monitor and report on key operational metrics, such as turnaround times, approval quality, and compliance outcomes, using data to drive continuous improvement.
- Ensure audit and regulatory readiness, maintaining strong documentation, controls, and escalation processes.
Requirements:
- 4+ years of experience in Credit Operations, with a background in underwriting and/or KYC within a regulated financial services environment.
- 2+ years of people leadership experience, managing teams of 10+ employees, with demonstrated success in scaling and developing high-performing teams.
- Experience working in a fast-growing fintech, with comfort operating in a dynamic, high-growth, and evolving environment.
- Strong understanding of credit risk, underwriting processes, and KYC/AML requirements, with the ability to translate policy into effective operational execution.
- Proven ability to build scalable processes and workflows, balancing speed, quality, and risk management.
- Excellent stakeholder management and communication skills, with experience partnering cross-functionally across Risk, Compliance, Product, and Engineering.
Head of Credit Operations - Germany employer: Space Executive
Contact Detail:
Space Executive Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Head of Credit Operations - Germany
✨Tip Number 1
Network like a pro! Reach out to your connections in the fintech space, especially those who work in credit operations. A friendly chat can lead to insider info about job openings or even a referral.
✨Tip Number 2
Prepare for interviews by brushing up on your knowledge of underwriting and KYC processes. Be ready to discuss how you've successfully managed teams and scaled operations in previous roles.
✨Tip Number 3
Showcase your leadership skills! When you get the chance, highlight your experience in building high-performing teams and how you’ve driven continuous improvement in credit operations.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we love seeing candidates who are proactive about their job search.
We think you need these skills to ace Head of Credit Operations - Germany
Some tips for your application 🫡
Tailor Your CV: Make sure your CV speaks directly to the role of Head of Credit Operations. Highlight your experience in credit operations, underwriting, and KYC processes, especially in a fintech environment. We want to see how your background aligns with our needs!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to tell us why you're passionate about this role and how you can contribute to our growth. Be specific about your leadership experience and how you've scaled teams in the past.
Showcase Your Achievements: Don’t just list your responsibilities; showcase your achievements! Use metrics to demonstrate how you've improved turnaround times or enhanced compliance outcomes in previous roles. We love data-driven success stories!
Apply Through Our Website: We encourage you to apply through our website for a smoother application process. It helps us keep track of your application and ensures you don’t miss any important updates from us. We can’t wait to hear from you!
How to prepare for a job interview at Space Executive
✨Know Your Stuff
Make sure you brush up on your knowledge of credit operations, underwriting, and KYC processes. Familiarise yourself with the latest trends in fintech and how they apply to the role. This will show that you're not just interested in the position but also passionate about the industry.
✨Showcase Your Leadership Skills
Since this role involves managing a team, be prepared to discuss your leadership style and experiences. Think of specific examples where you've successfully scaled teams or improved processes. Highlight how you can motivate and develop your team to achieve high performance.
✨Prepare for Cross-Functional Collaboration
This position requires working closely with various departments like Risk, Compliance, and Engineering. Be ready to talk about your experience in cross-functional projects and how you’ve effectively communicated and partnered with different teams to achieve common goals.
✨Metrics Matter
Understand the key operational metrics relevant to credit operations, such as turnaround times and approval quality. Be prepared to discuss how you've used data to drive improvements in past roles. This will demonstrate your analytical skills and commitment to continuous improvement.
