BNPL Risk Lead

📋 Description

• Define and maintain credit risk metrics, limits, and triggers.
• Drive risk-based analysis to guide appetite and portfolio strategy.
• Manage merchant concentration risk and the risk framework.
• Lead risk input for new product development from concept to launch.
• Articulate risk-return trade-offs to inform design decisions.
• Identify and monitor novel product risks with governance.

🎯 Requirements

• 3+ years’ experience with BNPL or retail finance products.
• Broad credit risk expertise across decisioning, impairment, funding, and monitoring.
• Strong communication with funders, auditors, and senior leadership.
• Proven ability to collaborate with data scientists and product teams.
• Experience with IFRS 9 ECL impairment frameworks and staging logic.
• Familiarity with merchant risk management or B2B2C risk structures (advantageous).

🎁 Benefits

• Equity ownership.
• Hybrid working with 3 days a week in the office.
• 25 days’ holiday plus 8 bank holidays.
• 2 paid volunteering days per year.
• One month paid sabbatical after 4 years.
• Employee loan.