At a Glance
- 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.
- Other info: Join a collaborative team focused on innovation and growth.
- 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.
The predicted salary is between 43200 - 72000 £ 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.
Responsibilities:
- 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.
Qualifications:
- 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.
Get in touch for more info.
Head of Credit Operations - Germany in London employer: Space Executive
Join a pioneering deep tech startup in the UK that is revolutionising industries by eliminating outdated systems and enabling real-world work to move at software speed. With a world-class team and a culture of high trust and ownership, you'll have the opportunity to make a significant impact from day one, backed by substantial funding and a clear path for growth. This is not just a job; it's a chance to be part of something transformative in a high-intensity environment where your contributions truly matter.
StudySmarter Expert Advice🤫
We think this is how you could land Head of Credit Operations - Germany in London
✨Tip Number 1
Network like a pro! Reach out to people in the fintech space, especially those who work in credit operations. Use LinkedIn to connect and engage with them; you never know who might have the inside scoop on job openings.
✨Tip Number 2
Prepare for interviews by brushing up on your knowledge of underwriting and KYC processes. Be ready to discuss how you've scaled teams and improved operational efficiency in your previous roles. Show them you're the perfect fit for leading their Credit Operations!
✨Tip Number 3
Don’t just apply anywhere; focus on companies that align with your values and career goals. Check out our website for openings that match your skills and interests. We’re all about helping you find the right fit!
✨Tip Number 4
Follow up after interviews! A quick thank-you email can go a long way in keeping you top of mind. Mention something specific from your conversation to show your genuine interest in the role and the company.
We think you need these skills to ace Head of Credit Operations - Germany in London
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. 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 fintech and how your leadership experience can help scale our Credit Operations team. Keep it engaging and relevant!
Showcase Your Achievements:Don’t just list your responsibilities; show us what you’ve achieved! Use metrics and examples to demonstrate how you've improved processes or led successful projects in your previous roles. We love data-driven 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 out on any updates. Let’s get started on this journey together!
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 Questions
Expect questions about how you would collaborate with other departments like Risk, Compliance, and Engineering. Have examples ready that demonstrate your ability to work cross-functionally and translate credit policies into effective operations. This will show that you understand the bigger picture.
✨Metrics Matter
Be ready to talk about key operational metrics you've monitored in previous roles. Discuss how you've used data to drive improvements in turnaround times, approval quality, and compliance outcomes. This will illustrate your analytical skills and commitment to continuous improvement.
