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Director of Product - Credit & Underwriting

UncappedLondon, England, United Kingdom
Hybrid Full-time

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Experience Level

Senior Level Manager

Qualifications

To succeed in this role, you should possess:Proven experience in product management, particularly in the fintech sector. Strong understanding of credit risk assessment and underwriting processes. Experience with data-driven decision-making and automation. Exceptional communication and collaboration skills. Ability to translate complex requirements into actionable tasks for engineering teams.

About the job

Hybrid role based in London

Our Vision

To empower every e-commerce business around the globe to transform its data into immediate access to capital.

At Uncapped, we recognize that conventional credit scoring methods are outdated. Rather than relying on historical credit bureau data, we are developing cutting-edge products that convert everything from sales figures to inventory levels, banking transactions to marketplace performance into actionable underwriting insights. This is not just an additional feature of our product; it is the core of our business.

We are rapidly expanding, innovating, and shaping the future of SME lending. We seek an individual who can implement automation and process enhancements iteratively, introducing changes with a clear vision for our trajectory, all while maintaining the current operations.

Role Overview

We are in search of a Director of Product to lead the credit and risk product strategy throughout the entire customer journey. You will serve as a crucial link between our Risk, Engineering, Data Science, and Operations teams, ensuring that our underwriting platform transitions from manual processes to highly automated, data-driven decision-making.

This is a pivotal role in a fast-paced, high-growth fintech environment. You will be responsible for creating the roadmap for how we collect, evaluate, and utilize alternative data to inform lending decisions. Your focus will be on enhancing automation rates, shortening decision timelines, and broadening our underwriting capabilities to incorporate new data sources, geographical areas, and products, including underwriting-as-a-service for acquired loan portfolios.

You will not be starting from scratch; we already have a functional platform, live products, and collaborations with leading online retailers and embedded lending partners. Your task is to significantly enhance these offerings, iteratively, while ensuring smooth operations.

About Uncapped

Founded in 2019, Uncapped is a fintech company dedicated to providing working capital to SMEs across North America and Europe.

We utilize various data sources to expedite, secure, and simplify credit decisions. Our partnerships with prominent platforms like Amazon and Walmart position us as the leading alternative lender worldwide.

What You Will Do

  • Own the Credit Product Roadmap: Define and drive the product vision for automated credit decisioning across all Uncapped products. Prioritize developments based on business impact, balancing quick wins with strategic initiatives. Translate complex credit-related requirements into clear engineering specifications and measurable outcomes.
  • Scale Automation While Keeping the Lights On: Increase straight-through processing rates by identifying manual bottlenecks and systematically implementing solutions.

About Uncapped

Uncapped is a pioneering fintech company established in 2019, committed to empowering small and medium-sized enterprises (SMEs) with quick and reliable access to working capital across North America and Europe. By leveraging advanced data analytics, we expedite credit decisions and enhance the lending experience for businesses. Our esteemed partnerships with major online platforms such as Amazon and Walmart highlight our ambition to become the best alternative lender globally.

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