CRO / Head of Credit

CRO / Head of Credit
Job Type: Perm
Salary: £150,000 – £200,000 GBP + Bonus + Equity

Location: London (Hybrid: 2–3 days onsite per week)

Consultant: Toby Day

 

The Organisation/Role:

We are a high-growth, Series A fintech SaaS business focused on transforming credit infrastructure for SMEs and financial institutions. Backed by top-tier investors, our platform leverages AI, real-time data, and embedded finance solutions to redefine risk management and credit operations.

 

The Role

As CRO / Head of Credit, you will join the senior leadership team and be responsible for defining and executing the credit risk strategy across all products and markets. You will establish a scalable and robust risk framework, own the credit policy, and work cross-functionally with product, compliance, sales, and engineering teams. This is a hands-on role with both strategic and operational responsibilities, ideal for a proven credit leader with deep fintech, SaaS or banking experience.

 

Key Responsibilities

• Develop and own the end-to-end credit risk strategy for the business.
• Build scalable risk and underwriting frameworks to support current and future lending products.
• Define and enforce credit policies, approval matrices, and early warning systems.
• Collaborate with data science and product teams to build proprietary risk models.
• Serve as the executive point of contact with regulators and key lending partners regarding risk.
• Own the development of automated decisioning engines and credit rules within the platform.
• Lead portfolio management initiatives and ensure optimal performance and compliance.
• Advise the board and CEO on emerging credit risks, trends and regulatory shifts.
• Lead a small but growing team of credit and risk professionals.

 

What We’re Looking For

• 10+ years in credit, lending, or risk functions in fintech, banking or SaaS environments.
• Prior experience building credit risk frameworks from the ground up in a fast-paced or startup environment.
• Proven track record managing credit across unsecured and/or SME portfolios.
• Strong quantitative and analytical mindset, comfortable with data science and modelling teams.
• Commercially astute, with the ability to balance growth with risk appetite.
• Deep understanding of FCA regulations and UK lending compliance.
• Strong leadership and communication skills, comfortable interfacing at board level.

 

The Digital Recruitment Company is an Employment Business for interim, contract and temporary recruitment and acts as an Employment Agency in relation to permanent vacancies.

To apply for this role please contact us at:

Toby Day

0203 640 2133

toby@digitalrecruitmentcompany.com

www.digitalrecruitmentcompany.com