16 jobs found

Head of Product Runa is pioneering a first-of-its-kind payment rail that enables the seamless, global money movement at scale. Legacy banking and payment infrastructure struggles to support the demands of today's low-volume, high-velocity payouts, leading to inefficiencies in global payouts. Businesses worldwide send over $20 trillion annually in rewards, remittances, and disbursements often incurring costs of up to 50% per transaction and subjecting recipients to lengthy delays. Runa transforms this landscape by providing a new digital payments infrastructure that empowers businesses to send digital money instantly and cost-free to anyone, anywhere. The Runa API empowers thousands of businesses to make payments to 5 billion+ consumers in 190+ countries instantly to cards, wallets, bank accounts and gift cards. Leading companies such as Sodexo, TopCashback, Perkbox, Sweatcoin, Coinbase, and Globetopper rely on Runa to facilitate instant, flexible global payouts to tens of millions of consumers. About the role: Our Treasury domain owns the movement and storage of money, the core of Runa's global payments network. We build the platform and tools that connect Runa and our customers to the wider financial ecosystem, enabling global growth. This includes FX products, payout rails, and APIs that power money management experiences. As Head of Product, you'll play a key role in shaping and delivering the product vision for Treasury. Working closely with Finance and Engineering, you'll help scale the systems that move money through our platform. What Excites You The opportunity to help shape the future of digital payments, directly contributing towards replacing legacy payment rails with a financial infrastructure that powers the next generation of payouts experiences Working closely with CPTO, Heads of Engineering and Go-To-Market teams to solve the organisation's highest value problems within the treasury through product innovation. Establishing and executing against the product strategy and roadmap, bringing together a clear-sighted view of customer need, cutting-edge technology and commercial success Managing and developing a high performing product management and design team of 4. Display deep engagement with prospective and existing customers in order to deliver solutions for funding, credit, foreign exchange, payments, billing, and fraud management What Excites Us You'll demonstrate a strong product management background with experience working for a high growth, technology led scale-up business. Experience line managing Product Managers to deliver products from discovery through to delivery, whilst remaining hands-on in a player coach capacity. You're data driven, able to measure the impact and result through insights, metrics and data and communicate analysis fluently across the leadership level. Experience working across payments or fintech products and/or a strong awareness of the payments industry and associated trends The ability to formulate an innovative product vision and translate complex requirements to technical and non-technical teams, up to C-level Even if you do not meet all of the above requirements but still think you would be a good fit for the role we would still encourage you to apply. What's in it for you We have a hybrid structure with the requirement of 1-2 days a week at our London Office (Shoreditch High Street) £1,000 annual L&D allowance to invest in mastering your craft, including accredited studies. Plus 5 L&D Days per year 25 days holiday + public holidays Runa Reset Days - Runa closes on the first Friday of each quarter for a well-deserved, Reset Day ️ Summer Hours - In the month of August, we log off at 3pm on Fridays. ️ Work from anywhere for up to 45 calendar days a year Participation in the Employee Options pool giving you ownership in Runa Private Medical + Dental Health Insurance with Bupa Enhanced parental leave for all new parents, up to 16 weeks full pay We are currently working towards salary transparency however we are not there just yet so our talent team will discuss this during the initial call to ensure that the right expectations are given. The Interview Process Call with Talent Partner ️ Hiring Manager Interview Product Team Interview ️ Task Interview Values Interview Want to learn more about life at Runa and our hiring process? Visit our Candidate Hub: Diversity and Inclusion We are committed to providing a hiring and working experience in which all people feel they are equally respected and valued regardless of race, religion, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

The Function The SME lending team at Triple Point provides tailored financing solutions to small and medium-sized enterprises (SMEs) across a variety of sectors. Specializing in flexible debt structures, the team enables businesses to scale and grow through expansion, acquisition, or working capital solutions. Committed to long-term partnerships, they actively support SMEs at various stages of their growth cycle. Triple Point manages over £1bn in lending assets across multiple sectors and is recognized as a leading lender to UK businesses The Team Our SME Debt Finance team offer business loans to established trading businesses across the UK. With a relationship-led approach, lending purposes include, leveraged buy-outs, refinances, acquisition funding, Management Buy Outs, Management Buy Ins and working capital finance. As we grow our team we welcome applications from regional locations as Triple Point continues to expand its presence and grow its reach. The Role The role will be varied, but you will be expected to; Generate and execute new lending transactions working towards both individual and team targets. Represent Triple Point and maintain a consistent visible presence in the SME debt market, attending and hosting events for key stakeholders and growing the SME Debt Finance introducer network. Maintain high standards of credit underwriting and legal completion documentation working in a collegiate manner with key internal and external stakeholders. Support and develop team members in terms of origination activities, transaction structure negotiation and career development. Prepare financial spreads and risk rating score cards. Conduct company, industry and market analysis to further assess obligor and guarantor credit quality. Work closely with the credit function to ensure appropriate credit opportunities are sourced and delivered in line with framework and underwriting process requirements. Support and develop Associate Directors in the team in terms of origination activities, transaction structure negotiation and career development. Work with Portfolio Managers to monitor covenant testing and borrower performance for the portfolio as and when required. Work independently and as part of the team as and when required. Knowledge & Experience It is anticipated that you will have the following; Demonstrable track record of originating and leading new lending transactions in the UK SME Cashflow Lending and Leveraged Finance markets. Transactions can be both sponsor and non-sponsor backed, with cheque sizes between £1m-£20m. Experience of loan documentation negotiation and execution (familiarity with LMA standards). Experience of developing new business opportunities in the SME borrowing market with a pre-existing network of advisors / brokers / acquirers from whom to generate and underwrite new deals. Current knowledge of the commercial lending market, including pricing, competitors, products. Strong financial modelling and Microsoft Excel skills. Educated to degree level, ideally supported by a professional qualification in accountancy, banking or risk management. Competencies This position would ideally suit a self-motivated individual with strong organisational and interpersonal skills; Ability to work independently and in a team environment. Excellent communication and presentation skills. Strong organisational and project management skills. Proactive and results-driven attitude. We're looking for individuals who not only excel in their roles but also see the bigger picture, contributing to the growth aspirations of the business and driving our collective success.

We're on a mission to make money work for everyone. We're waving goodbye to the complicated and confusing ways of traditional banking. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We're not about selling products - we want to solve problems and change lives through Monzo. The Credit Platform is a new team with a mission to empower Monzo's credit teams to become the best credit teams across Europe. Making the right credit decisions is central to growing Monzo safely - and we aspire to be industry leaders in how we operate. That means taking a fresh look at everything from how we ingest new data sources, develop new scorecards, propose and run credit experiments, monitor our portfolio and much more. The team's remit is to build products throughout the end-to-end credit lifecycle. These might allow our credit analysts in the UK to focus on the most impactful parts of their job by providing better ways to do both routine analysis and bespoke investigations. Or they might support our credit analysts in new countries to compose and configure a set of models and rules tailored to the local environment, without needing to start from scratch. Or they might even radically redefine how we approach credit strategy altogether. What you'll be working on: You'll lead a cross-functional team to build products that improve how we make credit decisions. You'll do this by building a deep understanding of the credit domain and needs of credit analysts, as well as understanding what is and isn't possible from commercial, operational and technical perspectives. You'll use this to set a product strategy. You'll communicate effectively with people of all levels of seniority. You'll get people inspired by the product vision and you'll share the right context with the right people at the right time. You'll lead planning processes and associated roadmap prioritisation to get your team working on the highest impact priorities that contribute to wider business goals. You'll work iteratively and collaboratively with credit risk, engineering (especially analytics engineers), research, data science, compliance and many others to refine your plan and execute against it effectively. You'll help to shape product strategy across Monzo by sharing insights from your work. Working closely with credit risk experts to understand the problems they're trying to solve and to identify opportunities to work better with technology. Partnering with backend and analytics engineers to explore different solutions for speeding up changes to our credit decisioning rules. Presenting your latest product strategy to stakeholders at Product Review and gathering feedback and challenge. Reasoning through trade-offs in building fast or building for future use cases. Speaking to partners and forming opinions on whether to build our own decisioning infrastructure in a new country or partner with others. You should apply if: You don't need to have worked in credit before. Instead, you might have built products to transform how internal teams work, or worked in similar optimisation domains like payments or advertising, or tackled the problem of scaling infrastructure to new geographies. You're comfortable contributing to discussions about systems architecture and fluent in data. You're not phased by going into detail about technicalities, and while you might not always be the expert on a technical topic, you learn fast. You start from first principles. You're a systems thinker: you can look at processes and technology and spot better ways of doing things. You're not afraid to ask the "obvious" questions and you use the answers to challenge the status quo. You're data driven, passionate about metrics, and intellectually honest about how your work is performing and driven to continuously improve it. You're full of novel ideas and creative solutions, and able to tease them out of others too. You can work effectively with a diverse range of people and working styles to get stuff done, and are able to thoughtfully and constructively challenge and influence the people you work with. You have the ability to communicate clearly and persuasively to a wide range of audiences, and in a structured way. You're a fast learner, humble and curious, and enjoy developing yourself and others. What we're doing here at Monzo excites you! The interview process: Our interview process involves 4 main stages: Initial Call with Hiring Manager Final Loop, consisting of x3 hour long interviews to assess Project Walkthrough, Case Study and Leadership. A final stage with a VP or CPO within the Product team Our average process takes around 5-6 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on . What's in it for you: £95,000 to £125,000 depending on experience, stock options & benefits. We can help you relocate to the UK. We can sponsor visas. This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London). We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team. Learning budget of £1,000 a year for books, training courses and conferences. And much more, see our full list of benefits here . If you prefer to work part-time, we'll make this happen whenever we can - whether this is to help you meet other commitments or strike a great work-life balance. Equal opportunities for everyone Diversity and inclusion are a priority for us and we're making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we're embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. We're an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage. Apply for this job indicates a required field

The company Fast, flexible finance empowers small businesses to manage their cash flow better and seize opportunities - making their business and the economy stronger as a whole. At iwoca, we do just that. We help businesses get the funds they need, when they need it, often within minutes. We've already made several billion in funding available to more than 100,000 businesses since we launched in 2012, and positioned ourselves as a leading Fintech in Europe. Our mission is to finance one million businesses. We'll get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cutting-edge technology, data science, and a 5-star customer service. The role We are looking for an experienced Head of Credit Risk with a strong analytical background, to lead the credit risk function for our lending portfolio in Germany. You will work closely with the Chief Credit Officer, the General Manager for Germany, our data scientists, and teams from across the business to ensure our risk management frameworks, scorecards, and lending strategies are effectively managing credit risk while maximising value creation. Responsibilities include: Being the responsible expert on all things related to credit risk management Driving informed decision-making to set credit risk appetite appropriately for the economic conditions and iwoca's business plan. Developing credit risk management policies and control frameworks, and actively managing adherence. Setting the credit risk agenda aligned to the business strategy, and providing strong leadership to the credit risk team to drive its delivery. Monitoring credit performance on aggregate and by segment. Proactively driving corrective action where required. Driving improvements to credit risk scorecards, associated scoring processes, and data infrastructure. Providing credit risk expertise to support product development when launching new features, e.g. longer terms, interest only, etc. Supporting the capital markets team by providing credit risk expertise to ensure funding vehicles are set up to provide sufficient capacity, flexibility, and resilience at an appropriate cost. Communicating with equity and debt investors as required around loan book credit performance. The team: You'll join the Credit Risk team, whose primary focus is managing the credit risk profile of our lending portfolios to support iwoca's broader business goals and mission. As Head of Credit Risk for Germany you will be a key member of the team focused on the development of our lending business in Germany. The requirements Strong analytical background: a degree in Mathematics, Physics, Engineering, or similar quantitative field; or equivalent experience. 7+ years experience in credit risk and lending strategy optimisation at a traditional or Fintech lender. Passion for analytical problem-solving, with a strong track record in developing conceptual frameworks and technical execution. This will include the ability to personally conduct data-driven analysis and guide this work through others. Experience using Python is a plus. Excellent understanding of the statistical techniques and machine learning methods used in credit risk analysis and modelling. Guiding the work of data scientists is an important part of this role. Excellent communication, stakeholder management, and leadership skills. Strong commercial instincts. Experience of the German lending market, SME lending, and German language skills are all beneficial. The salary We expect to pay from €125,000 to €160,000 for this role, but we're open-minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews. The culture At iwoca, we look to hire smart, passionate, humble individuals with a growth mindset. We prioritise a culture of learning, growth, and support, and invest in the professional development of our team members. We value thought and skill diversity, and encourage you to explore new areas of interest to help us innovate and improve our products and services. Our friendly and inclusive environment, combined with our flexible work policies, ensures that you'll have the perfect balance between work and life, empowering you to thrive both personally and professionally.

The company Fast, flexible finance empowers small businesses to manage their cash flow better and seize opportunities - making their business and the economy stronger as a whole. At iwoca, we do just that. We help businesses get the funds they need, when they need it, often within minutes. We've already made several billion in funding available to more than 100,000 businesses since we launched in 2012, and positioned ourselves as a leading Fintech in Europe. Our mission is to finance one million businesses. We'll get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cutting-edge technology, data science, and a 5-star customer service. The role We are looking for an experienced Head of Credit Risk with a strong analytical background, to lead the credit risk function for our lending portfolio in Germany. You will work closely with the Chief Credit Officer, the General Manager for Germany, our data scientists, and teams from across the business to ensure our risk management frameworks, scorecards, and lending strategies are effectively managing credit risk while maximising value creation. Responsibilities include: Being the responsible expert on all things related to credit risk management Driving informed decision-making to set credit risk appetite appropriately for the economic conditions and iwoca's business plan. Developing credit risk management policies and control frameworks, and actively managing adherence. Setting the credit risk agenda aligned to the business strategy, and providing strong leadership to the credit risk team to drive its delivery. Monitoring credit performance on aggregate and by segment. Proactively driving corrective action where required. Driving improvements to credit risk scorecards, associated scoring processes, and data infrastructure. Providing credit risk expertise to support product development when launching new features, e.g. longer terms, interest only, etc. Supporting the capital markets team by providing credit risk expertise to ensure funding vehicles are set up to provide sufficient capacity, flexibility, and resilience at an appropriate cost. Communicating with equity and debt investors as required around loan book credit performance. The team: You'll join the Credit Risk team, whose primary focus is managing the credit risk profile of our lending portfolios to support iwoca's broader business goals and mission. As Head of Credit Risk for Germany you will be a key member of the team focused on the development of our lending business in Germany. The requirements Strong analytical background: a degree in Mathematics, Physics, Engineering, or similar quantitative field; or equivalent experience. 7+ years experience in credit risk and lending strategy optimisation at a traditional or Fintech lender. Passion for analytical problem-solving, with a strong track record in developing conceptual frameworks and technical execution. This will include the ability to personally conduct data-driven analysis and guide this work through others. Experience using Python is a plus. Excellent understanding of the statistical techniques and machine learning methods used in credit risk analysis and modelling. Guiding the work of data scientists is an important part of this role. Excellent communication, stakeholder management, and leadership skills. Strong commercial instincts. Experience of the German lending market, SME lending, and German language skills are all beneficial. The salary We expect to pay from €125,000 to €160,000 for this role, but we're open-minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews. The culture At iwoca, we look to hire smart, passionate, humble individuals with a growth mindset. We prioritise a culture of learning, growth, and support, and invest in the professional development of our team members. We value thought and skill diversity, and encourage you to explore new areas of interest to help us innovate and improve our products and services. Our friendly and inclusive environment, combined with our flexible work policies, ensures that you'll have the perfect balance between work and life, empowering you to thrive both personally and professionally.

The company Fast, flexible finance empowers small businesses to manage their cash flow better and seize opportunities - making their business and the economy stronger as a whole. At iwoca, we do just that. We help businesses get the funds they need, when they need it, often within minutes. We've already made several billion in funding available to more than 100,000 businesses since we launched in 2012, and positioned ourselves as a leading Fintech in Europe. Our mission is to finance one million businesses. We'll get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cutting-edge technology, data science, and a 5-star customer service. The role We are looking for an experienced Head of Credit Risk with a strong analytical background, to lead the credit risk function for our lending portfolio in Germany. You will work closely with the Chief Credit Officer, the General Manager for Germany, our data scientists, and teams from across the business to ensure our risk management frameworks, scorecards, and lending strategies are effectively managing credit risk while maximising value creation. Responsibilities include: Being the responsible expert on all things related to credit risk management: Driving informed decision-making to set credit risk appetite appropriately for the economic conditions and iwoca's business plan. Developing credit risk management policies and control frameworks, and actively managing adherence. Setting the credit risk agenda aligned to the business strategy, and providing strong leadership to the credit risk team to drive its delivery. Monitoring credit performance on aggregate and by segment. Proactively driving corrective action where required. Driving improvements to credit risk scorecards, associated scoring processes, and data infrastructure. Providing credit risk expertise to support product development when launching new features, e.g. longer terms, interest only, etc. Supporting the capital markets team by providing credit risk expertise to ensure funding vehicles are set up to provide sufficient capacity, flexibility, and resilience at an appropriate cost.Communicating with equity and debt investors as required around loan book credit performance. The team: You'll join the Credit Risk team, whose primary focus is managing the credit risk profile of our lending portfolios to support iwoca's broader business goals and mission. As Head of Credit Risk for Germany you will be a key member of the team focused on the development of our lending business in Germany. The requirements Strong analytical background: a degree in Mathematics, Physics, Engineering, or similar quantitative field; or equivalent experience. 7+ years experience in credit risk and lending strategy optimisation at a traditional or Fintech lender. Passion for analytical problem-solving, with a strong track record in developing conceptual frameworks and technical execution. This will include the ability to personally conduct data-driven analysis and guide this work through others. Experience using Python is a plus. Excellent understanding of the statistical techniques and machine learning methods used in credit risk analysis and modelling. Guiding the work of data scientists is an important part of this role. Excellent communication, stakeholder management, and leadership skills. Strong commercial instincts. Experience of the German lending market, SME lending, and German language skills are all beneficial. The salary We expect to pay from €125,000 to €160,000 for this role, but we're open-minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews. The culture At iwoca, we look to hire smart, passionate, humble individuals with a growth mindset. We prioritise a culture of learning, growth, and support, and invest in the professional development of our team members. We value thought and skill diversity, and encourage you to explore new areas of interest to help us innovate and improve our products and services. Our friendly and inclusive environment, combined with our flexible work policies, ensures that you'll have the perfect balance between work and life, empowering you to thrive both personally and professionally.

The company Fast, flexible finance empowers small businesses to manage their cash flow better and seize opportunities - making their business and the economy stronger as a whole. At iwoca, we do just that. We help businesses get the funds they need, when they need it, often within minutes. We've already made several billion in funding available to more than 100,000 businesses since we launched in 2012, and positioned ourselves as a leading Fintech in Europe. Our mission is to finance one million businesses. We'll get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cutting-edge technology, data science, and a 5-star customer service. The role We are looking for an experienced Head of Credit Risk with a strong analytical background, to lead the credit risk function for our lending portfolio in Germany. You will work closely with the Chief Credit Officer, the General Manager for Germany, our data scientists, and teams from across the business to ensure our risk management frameworks, scorecards, and lending strategies are effectively managing credit risk while maximising value creation. Responsibilities include: Being the responsible expert on all things related to credit risk management: Driving informed decision-making to set credit risk appetite appropriately for the economic conditions and iwoca's business plan. Developing credit risk management policies and control frameworks, and actively managing adherence. Setting the credit risk agenda aligned to the business strategy, and providing strong leadership to the credit risk team to drive its delivery. Monitoring credit performance on aggregate and by segment. Proactively driving corrective action where required. Driving improvements to credit risk scorecards, associated scoring processes, and data infrastructure. Providing credit risk expertise to support product development when launching new features, e.g. longer terms, interest only, etc. Supporting the capital markets team by providing credit risk expertise to ensure funding vehicles are set up to provide sufficient capacity, flexibility, and resilience at an appropriate cost.Communicating with equity and debt investors as required around loan book credit performance. The team: You'll join the Credit Risk team, whose primary focus is managing the credit risk profile of our lending portfolios to support iwoca's broader business goals and mission. As Head of Credit Risk for Germany you will be a key member of the team focused on the development of our lending business in Germany. The requirements Strong analytical background: a degree in Mathematics, Physics, Engineering, or similar quantitative field; or equivalent experience. 7+ years experience in credit risk and lending strategy optimisation at a traditional or Fintech lender. Passion for analytical problem-solving, with a strong track record in developing conceptual frameworks and technical execution. This will include the ability to personally conduct data-driven analysis and guide this work through others. Experience using Python is a plus. Excellent understanding of the statistical techniques and machine learning methods used in credit risk analysis and modelling. Guiding the work of data scientists is an important part of this role. Excellent communication, stakeholder management, and leadership skills. Strong commercial instincts. Experience of the German lending market, SME lending, and German language skills are all beneficial. The salary We expect to pay from €125,000 to €160,000 for this role, but we're open-minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews. The culture At iwoca, we look to hire smart, passionate, humble individuals with a growth mindset. We prioritise a culture of learning, growth, and support, and invest in the professional development of our team members. We value thought and skill diversity, and encourage you to explore new areas of interest to help us innovate and improve our products and services. Our friendly and inclusive environment, combined with our flexible work policies, ensures that you'll have the perfect balance between work and life, empowering you to thrive both personally and professionally.