Head of Capital

About the Role

We are seeking an exceptional Head of Capital to lead our capital function and drive the next phase of growth. This is a high-impact leadership role responsible for building out the operational, technical, and commercial capabilities that underpin our lending platform.

The ideal candidate brings deep expertise in credit, collections, and structured finance, combined with an entrepreneurial mindset and a proven ability to scale capital deployment functions. This is an opportunity to architect and lead the operating muscle of a “bank within a business” - establishing frameworks, policies, and teams that enable us to deploy and manage over $60M in capital.

Key Responsibilities

Strategic Leadership & Execution

• Lead and evolve the Capital function, ensuring effective deployment, management, and reporting of the company’s lending capital.

• Build and implement an OKR framework and associated reporting to drive alignment, performance, and accountability across teams.

• Partner with the CFO, Finance, Treasury, and broader leadership team to optimise capital efficiency and return.

Credit & Collections Operations

• Design and execute credit risk and collection policies, ensuring robust governance and compliance.

• Oversee underwriting and collections teams, establishing clear performance metrics and improvement initiatives.

• Bring in and manage third-party service providers to support credit and collections operations.

Capital Deployment & Growth

• Lead the deployment of £60M in raised capital, scaling from the current £12M base.

• Partner closely with Sales and Finance to balance growth ambitions with sound credit performance.

• Monitor and report on portfolio performance, risk exposure, and capital distribution across the book.

Organisational Build-out

• Establish the operational foundations and discipline required to run a high-performing lending institution.

• Build, mentor, and lead a team across collections, underwriting, and capital operations.

• Drive a culture of ownership, data-driven decision-making, and proactive risk management.

Stakeholder & Partner Management

• Serve as the key liaison for internal and external stakeholders including finance partners, investors, and service providers.

• Collaborate cross-functionally with Treasury, Risk, and Product to optimise capital allocation and performance.

Experience

• 8-12 years in lending, structured finance, or credit management roles.

• Proven leadership experience at principal or head-of-credit level in high-growth or entrepreneurial lending environments.

• Technical: Credit risk management, collections strategy, structured finance, capital deployment, and portfolio monitoring.

• Operational: Designing and scaling lending operations, implementing OKRs, managing multi-functional teams.

• Commercial: Deploying and managing capital efficiently; balancing growth with risk.

• Leadership: Team building, stakeholder engagement, and strategic influence across senior leadership.

Soft Skills

• Analytical and execution-oriented, with a bias for action.

• Strong communicator and collaborator, able to work cross-functionally and remotely.

• Entrepreneurial and pragmatic, comfortable operating in a fast-moving, high-growth environment.

What We Offer

• The opportunity to build and lead a core function critical to our next phase of growth.

• A highly autonomous, remote-first environment.

• Collaboration with an ambitious executive team and top-tier investors.

• Competitive compensation and long-term incentive package.