Director of Credit

Hello! We're Teya. Teya is a payment and software service provider, headquartered in London serving small, local businesses across Europe. Founded in 2019, we build easy to use, integrated tools that enable our members to accept payments and boost business performance. At Teya we believe small, local businesses are the lifeblood of our communities. We’re here because we don’t believe there’s a level playing field that gives small businesses with a fighting chance against the giants of the high street. We’re here because we see banks and legacy service providers making things harder for them. We don’t think the best technology or the best service should be reserved for those with the biggest headquarters. We’re here to fight for a future where small, local businesses can thrive, and to commit the same dedication they offer all of us. Become a part of our story.

We’re looking for exceptional talent to join our mission. We offer a chance to create impact in a high-energy and connected culture, while benefiting from continuous learning opportunities, a supportive community which is proud to serve our mission, and comprehensive benefits.

Your Mission

As the Director of Credit, you’ll play a pivotal role in building and scaling innovative credit solutions that empower thousands of merchants across Europe. This isn’t just another product role—it’s an opportunity to define the vision, strategy, and execution for Teya’s credit platform, influencing how small businesses access funding and manage growth. You’ll lead the development of cutting-edge lending experiences, from first-party credit products to embedded finance and strategic partnerships. Your work will shape everything from risk assessment and decisioning platforms to portfolio economics and regulatory compliance, ensuring we deliver responsible, data-driven credit solutions that balance growth with sustainability. This is a high-impact leadership role where you’ll collaborate with C-suite executives, cross-functional teams, and external partners, driving innovation in SME lending while mentoring a talented team of product managers and data scientists. If you’re passionate about fintech, credit innovation, and making a tangible difference for small businesses, this is your chance to lead at scale.

What You’ll Do

• Own the Credit Vision & Strategy: Define and deliver a roadmap covering first-party lending, embedded credit experiences, and third-party lending partnerships.
• Lead End-to-End Product Lifecycle: From onboarding and risk assessment to servicing, collections, and renewals.
• Build Scalable Platforms: Develop underwriting and decisioning systems leveraging bureau data, open banking, behavioral analytics, and proprietary merchant signals.
• Drive Data-Led Strategies: Optimize approval rates, pricing models, and risk tiers while managing portfolio performance.
• Shape Credit Economics: Collaborate with C-suite to balance growth, loss rates, capital efficiency, and RoE.
• Ensure Regulatory Compliance: Work closely with Risk and Compliance to meet UK/EU frameworks for KYC/KYB, affordability, and responsible lending.
• Expand Through Partnerships: Forge strong relationships with third-party lenders to broaden product availability and optimize commercial terms.
• Go-to-Market Leadership: Align Sales, Marketing, Risk, and Operations for successful launches across all markets.
• Market Research & Competitive Analysis: Stay ahead of trends in SME lending, alternative financing, and embedded credit.
• Influence at the Highest Level: Communicate priorities and performance to senior leadership, shaping strategy across Banking and Acquiring.
• Build & Mentor Teams: Lead a high-performing team across Product, Data Science, and Credit Ops.

Experience & Skill-set

• Experience: 10+ years in credit product or lending strategy roles within fintech, commercial lending, or neobanks.
• Track Record: Proven success launching or scaling SME lending products with strong portfolio performance.
• Expertise: Deep knowledge of credit decisioning, scoring models, affordability, pricing, risk segmentation, fraud prevention, and capital allocation.
• Regulatory Knowledge: Strong understanding of UK/EU frameworks (AML/KYC/KYB, open banking, responsible lending).
• Commercial Acumen: Ability to model unit economics, design pricing strategies, and balance growth vs. risk.
• Leadership: Skilled at building cross-functional teams and influencing across Engineering, Data, Risk, Finance, Legal, and Sales.
• Communication: Exceptional ability to present insights and strategies to senior leadership and external partners.
• Data-Driven Mindset: Experience using analytics and experimentation to improve approval rates, conversion, and repayment.

The Perks

• Physical and mental health support through our partnership with GymPass giving free access to over 1,500 gyms in the UK, 1-1 therapy, meditation sessions, digital fitness, and nutrition apps.
• Our company offers extended and improved maternity and paternity leave choices, giving employees more flexibility and support.
• Cycle-to-Work Scheme.
• Health and Life Insurance.
• Pension Scheme.
• 25 days of Annual Leave (+ Bank Holidays).
• Office snacks every day.
• Friendly, comfortable, and informal office environment in Central London.

Teya is proud to be an equal opportunity employer. We are committed to creating an inclusive environment where everyone regardless of race, ethnicity, gender identity or expression, sexual orientation, age, disability, religion, or background can thrive and do their best work. We believe that a diverse team leads to better ideas, stronger outcomes, and a more supportive workplace for all. If you require any reasonable adjustments at any stage of the recruitment process whether for interviews, assessments, or other parts of the application—we encourage you to let us know. We are committed to ensuring that every candidate has a fair and accessible experience with us.