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Director of Credit Risk and Fraud Management

KriyaLondon, England, United Kingdom
On-site Full-time

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Experience Level

Mid to Senior

Qualifications

7-10 years of experience in debt capital markets, structured finance, or corporate banking. STEM degree with robust analytical and decision-making abilities. Located in London or open to relocating. Proficiency in overseeing complex underwriting and deal structuring. Demonstrated leadership in various risk dimensions. Experience in building and managing diversified portfolios. Advanced analytical skills in financial modeling and credit assessment. Effective communication and conflict resolution capabilities. Interest/Experience in AI tools.

About the job

At Kriya, we revolutionize financial services with our innovative suite of tools that ensure businesses have seamless access to payments, credit, and working capital. Our solutions provide frictionless integrations and immediate credit decisions, empowering companies to thrive.

Since our inception in 2011, we have successfully facilitated over £28 billion in B2B payments and granted more than £3.7 billion in credit through our business loans and working capital solutions. We pride ourselves on our extensive network of strategic partners, including Barclays Bank, Stripe, Halfords, and the British Business Bank, and continue to attract support from esteemed investors like Northzone, Barclays Bank, and Mouro Capital, a subsidiary of Santander Bank.

About the Position

We are in search of a dynamic and experienced Head of Risk to join our executive team, responsible for the comprehensive risk strategy and its implementation across the organization. This pivotal role reports directly to the CEO and holds significant visibility within the company.

As the Head of Risk, you will spearhead the formulation and execution of Kriya’s enterprise-wide risk framework, collaborating closely with the Commercial, Product, Data, Finance, and Legal departments. You will manage the entire credit lifecycle—from analytics and underwriting to compliance and collections—while leading a high-performing risk team. Additionally, you will drive the integration of AI and advanced risk analytics within the risk function.

This is an exceptional opportunity to influence the future of embedded finance and digital lending at a rapidly growing company.

Key Responsibilities

  • Formulate and direct Kriya’s risk strategy across all business sectors, products, and geographical regions.
  • Act as a primary advisor to the CEO and Board on risk appetite, governance, and portfolio management.
  • Recruit, develop, and mentor a high-performing Risk team (initially comprising 8 members).
  • Oversee collections strategies and recovery workflows, ensuring they are efficient and customer-focused.

Qualifications

  • 7-10 years of experience in debt capital markets, structured finance, or corporate banking, with a proven track record in leading complex credit transactions.
  • A degree in a STEM field, demonstrating strong analytical and decision-making skills.
  • Located in London or willing to relocate to London.
  • Experience in managing intricate underwriting and deal structuring processes.
  • Exemplified leadership in various facets of risk management.
  • Ability to construct and oversee diversified portfolios while maximizing risk-adjusted returns.
  • Advanced analytical capabilities including financial modeling, large-data analysis, and critical credit evaluation.
  • Strong communication and conflict resolution skills.
  • Interest or experience in utilizing AI tools.

About Kriya

Kriya is a pioneering financial technology company that provides an innovative array of tools designed to streamline access to financial services, facilitating seamless B2B transactions and credit solutions. With a strong track record since 2011, Kriya has established itself as a key player in the embedded finance and digital lending landscape.

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