Fractional Credit & Risk Lead (6–8 Hours per Week) – FinTech / Remote

You will provide specialist credit and risk leadership as the company develops its proposition and underlying frameworks.

Your responsibilities are likely to include:

• →Helping develop credit-assessment and risk frameworks
• →Defining appropriate credit and risk principles
• →Advising on SME/business credit assessment
• →Supporting the development of credit decisioning approaches
• →Identifying appropriate financial and non-financial data inputs
• →Helping determine appropriate risk indicators and decision criteria
• →Working with Product, Data and Engineering colleagues to translate credit expertise into practical requirements
• →Supporting development and validation of credit-related methodologies
• →Advising on portfolio and concentration risk as the business develops
• →Supporting appropriate governance and documentation
• →Contributing specialist expertise to product and commercial discussions
• →Helping establish scalable credit-risk capability as the company grows

We are particularly interested in candidates with genuine hands-on credit expertise, rather than broad enterprise-risk experience alone.

You may be a strong fit if you have:

• Significant credit-risk or credit-assessment experience
• Strong understanding of business or SME credit
• Experience developing or materially contributing to credit frameworks or models
• Strong analytical and commercial judgement
• Experience interpreting financial and other relevant data
• Understanding of credit decisioning
• Experience collaborating with technical and Product teams
• Ability to communicate complex risk concepts clearly
• Experience within financial services or FinTech
• Ability to operate independently within an early-stage environment

Particularly valuable experience includes:

• SME lending
• Trade finance
• Banking
• Alternative finance
• FinTech
• Credit scoring or decisioning
• Alternative data
• Portfolio risk
• Cross-border finance
• Financial-services technology

This is a flexible, fractional engagement of approximately 6–8 hours per week within an early-stage FinTech venture.

It is designed for someone comfortable providing senior specialist expertise alongside other compatible professional commitments and with a structure centred on longer-term participation in company growth rather than a conventional package at this stage.

Full details of the participation structure will be discussed with candidates progressing through the process.