lemfi - Head of Credit Risk, UK
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Requirements
• Commercially Minded: You understand that a credit risk function that blocks growth is failing; you think in terms of the overall P&L, not just the loss rate. • Analytically Grounded: You can build a vintage curve, read a roll rate matrix, and challenge model outputs independently without needing a team to interpret the data for you. • Strong People Leader: You build high-performing teams that make sound decisions and represent the credit function credibly without you in the room. • Consumer Credit Expert: You have a track record of owning policy end to end, ideally within the credit card or personal loans space. • Comfortable in Ambiguity: You thrive at the scale-up stage, choosing to improve processes in real-time rather than waiting for perfection. • Relevant Experience: Extensive experience in consumer credit risk within UK financial services or fintech. • Product Ownership: A proven track record of owning credit policy across the full lifecycle (origination and existing customer management). • Technical Depth: Deep understanding of UK credit bureau data, open banking, and automated decisioning systems. • Regulatory Knowledge: A solid grasp of FCA requirements regarding consumer credit, affordability, and fair lending. • Leadership Track Record: Experience managing and developing direct reports in a fast-moving, high-growth environment. • Data Proficiency: Practical proficiency in SQL or similar tools for independent data analysis. • Capital Markets: Exposure to debt investor relations or structured finance (Preferred). • The Interview Process • 1. TA Screen (30 mins) • 2. Hiring Manager Interview (60 mins) • 3. Case Study Presentation & Deep Dive (60 mins) • 4. Leadership Meetings (30-60 mins)
Benefits
• Love shouldn’t be expensive, yet those working hardest for their families often face predatory fees and banking exclusion. We're changing this. • At LemFi, you won’t be just a cog in a machine. Whether designing products, scaling operations, or telling our story, you’ll tackle complex challenges with real, immediate impact. Your work goes beyond metrics - it puts money back in families’ pockets and offers access to the previously excluded. Join us to make a meaningful difference, where high performance is a lifeline for millions. • Our Values: How We Win • Sharp Customer Focus 🎯 We cut through the noise and prioritize ruthlessly based on what drives real value. • Lead with Data 📊 We trade instinct for insight. We test, analyze, and own the outcomes. • Ownership 🤝 We take responsibility for global outcomes, not just local wins. • Grit 💪 We navigate ambiguity with resilience and keep pushing until the customer feels the impact. • You can connect with us on LinkedIn https://www.linkedin.com/company/lemfi/ and Instagram https://www.instagram.com/uselemfi/ and if you haven't already, download the app on the App Store https://apps.apple.com/gb/app/lemfi/id1533066809 or Google Play https://play.google.com/store/apps/details?hl=en&id=com.lemonadeFinance.android. • Diversity & Inclusion at LemFi • To build the best financial tools for the global diaspora, we need a team that reflects the world we serve. We welcome builders from all walks of life who embody our values over a perfect resume. • Don’t meet every single requirement in the job ad? Research shows that candidates from underrepresented backgrounds often hesitate to apply if they don't check every box. If you are excited about this role and our mission, we encourage you to apply anyway. You might be just the right person for this, or other roles.
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