Product Lead - Credit

Role overview Wise seeks a Product Lead - Credit for its London office. This position centers on developing and guiding the future of Wise’s credit products. The aim: make financial services easier to access and genuinely useful for customers. What you will do Define the vision and roadmap for Wise’s credit offerings Drive product initiatives from initial co…

Hybrid role based in LondonOur 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its data into immediate access to capital.At Uncapped, we recognize that conventional credit scoring methods are outdated.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 the Role At SumUp, our mission is to bridge the gap between merchants and consumers, empowering local communities to flourish. With SumUp Pay, we are innovating a banking experience that connects individuals to the small businesses they adore while facilitating free transactions for our merchants. SumUp Pay simplifies financial management for consumers, enhances everyday spending, and fortifies the bond between them and local merchants, delivering value and fostering growth for community businesses. This pivotal role offers the chance to influence our global strategy at a rapid pace, tackling diverse topics and opportunities. Your strategic acumen, creative problem-solving, and relentless drive will be essential as you lead initiatives within the Consumer Tribe, dedicated to expanding SumUp Pay and enhancing the consumer-merchant relationship while collaborating across the organization.

As the Lead Credit Risk Analytics professional at Kriya, you will spearhead initiatives in decision science, credit modeling, portfolio performance, and pricing strategies. Your expertise will be instrumental in enhancing our credit and product performance, as well as informing our policy and strategic directions.In this senior role, you will generate actionable insights that not only monitor and mitigate risk but also drive the growth and scalability of our products through informed, data-driven decisions. You will be the primary resource for the business regarding customer behavior insights and key performance metrics, including profitability, credit risk metrics, and operational performance.Additionally, you will be tasked with establishing and refining competitive product pricing that meets market demands while ensuring adequate coverage and margins to deliver value to Kriya.Key ResponsibilitiesCollaborate closely with the risk leadership team to enhance our underwriting and credit decision-making processes.Utilize cutting-edge data science, machine learning, and artificial intelligence techniques to develop systematic risk models for our credit offerings.Conduct portfolio monitoring and investigative analyses to elucidate trends and address inquiries from key stakeholders, while providing recommendations for product and process enhancements.Optimize our pricing models using sophisticated financial modeling techniques.Generate portfolio management information for internal and external stakeholders, presenting insights in a clear and digestible manner.Perform thorough impact analyses on credit strategies, continuously reassessing and optimizing our credit decision-making approach.Support the collections and recovery team with data-driven insights and strategies.Engage with cross-functional teams to develop predictive models, product features, and processes.

Join carwow as a Credit Control Lead, where you will spearhead our credit management initiatives, ensuring that our financial processes are robust and efficient. In this pivotal role, you will be responsible for overseeing the credit control team, developing strategies to minimize risk and maximize cash flow, while fostering strong relationships with customers and stakeholders.

Join qodea as a Credit Control Manager where you will play a crucial role in managing our credit policies and improving cash flow. You will oversee the credit control team, ensuring timely collections and minimizing risk. Your expertise will help shape our credit strategy and align it with the company's financial goals.

Join Our Team as a Graduate Credit Analyst!At iwoca, we are experiencing rapid growth, and with an increasing number of customers comes the need for more credit decisions. Our dedicated team of 50 analysts is expanding, and we are on the lookout for motivated individuals to evaluate our clients promptly, fairly, and accurately.About iwocaIn the fast-paced world of small businesses, opportunities can arise and cash flow challenges can emerge suddenly. To thrive and expand, SMEs require financing that is as agile and responsive as they are.That’s why we created iwoca. Our innovative technology, expertise in data science, and exceptional customer service empower business owners to act decisively and confidently, precisely when they need to.We have already facilitated funding for over 100,000 businesses, providing more than £4 billion in financing. Our passionate team is motivated to help even more SMEs flourish by offering access to superior financial solutions and services that simplify business operations. Our ultimate goal is to support one million SMEs at their pivotal moments, creating a lasting positive impact on their communities and economies.Our Company CultureAs we expand rapidly across our offices in London, Leeds, Frankfurt, and Berlin, we seek individuals eager to learn on the job and take the lead on projects, knowing that their contributions will affect thousands of small businesses.Your RoleAs a Graduate Credit Analyst, you will play a crucial role in making lending decisions for SMEs throughout the UK that approach iwoca.Your responsibilities will include:Evaluating credit data, financial statements, and various data sources to assess the risk level associated with lending.Conducting comprehensive due diligence to verify the affordability of credit in accordance with our internal policies.Gaining a thorough understanding of and accurately capturing the specific revenue and risk factors affecting SMEs.Being entrusted with the responsibility to make informed lending decisions.Enhancing our underwriting framework by delivering consistent, high-quality lending decisions to facilitate better, faster, and fairer outcomes.Effectively communicating with our Account Management teams to ensure customer needs are addressed.

Ramp Network connects traditional finance with the crypto economy through its fiat-to-crypto toolkit. The team supports brands and blockchain innovators in onboarding users into Web3. Since its founding, Ramp has focused on high performance, open-mindedness, and collaboration, building a strong track record and a growing global presence. Role overview This Lead Product Manager position comes as Ramp Network surpasses $1B in transaction volume and introduces new consumer products. The role offers full ownership of these products, with a focus on delivering high-quality solutions. The position is based in London or can be remote within Poland. What you will do Lead a cross-functional team to discover, define, and deliver major improvements to user flows that increase conversion rates. Identify and resolve friction points in the customer journey. Champion high standards for user experience and promote these standards throughout the organization. Set and track key performance indicators (KPIs) to support data-driven decisions. What makes Ramp Network unique Over 8 years of experience in the industry Consistent month-over-month ecosystem growth Purpose-driven, collaborative culture

Join Wise as a Lead Product Analyst and be at the forefront of our mission to make money transfers faster and more affordable. In this role, you will leverage your analytical skills to drive product insights, influence decision-making, and enhance the user experience. You will collaborate with cross-functional teams to identify opportunities and solve complex problems.

Join Our MissionAt Omnea, we are transforming the way enterprise businesses function, beginning with the most challenging aspect: procurement. A single purchase can often take months, igniting a chain of 50+ emails and involving departments such as Finance, Legal, Security, and IT just for approval.With an investment of $75M from Khosla Ventures, Insight Partners, and Accel, we aim to revolutionize this process. Our AI-native platform connects every individual, step, and system to ensure purchasing is swift, secure, and efficient—providing a unified platform for requests, automated approvals and renewals, real-time supplier risk assessments, and complete visibility into spending.This is a $7B+ untapped market, and our growth reflects the scale of this opportunity: we have increased our Annual Recurring Revenue (ARR) tenfold to double-digit millions in just 18 months, earning the trust of global enterprises such as Spotify, MongoDB, Monzo, and Albertsons. We are proud to be recognized as the 4th fastest growing startup in Europe.Our team previously scaled Tessian (a renowned cybersecurity tech firm, backed by Sequoia, Balderton, Accel, and acquired post-Series C). Our members include former founders and operators who have nurtured unicorns, launched top-tier products, and executed at the highest levels. You will collaborate with leaders like Ben, Abs, Sabrina, and Rebe.Your ResponsibilitiesLead the design efforts across significant product domains, overseeing both hands-on design work and the strategic direction, standards, and decisions that influence product development.Engage with customers, including procurement leaders and finance teams at major companies such as Spotify, MongoDB, Monzo, and Gymshark, utilizing their insights to inform both quarterly roadmaps and long-term design strategies.Collaborate closely with Product and Engineering leadership to define problems, scope projects, and sequence tasks—often before features become evident.

Join Artsy as a Lead Product Designer and play a pivotal role in shaping our innovative design strategies. You will be responsible for leading design projects, collaborating with cross-functional teams, and creating user-centered designs that enhance our platform's user experience. Your expertise will drive the visual and functional aspects of our products, ensuring they are not only beautiful but also intuitive and effective.

About the Role Faculty is hiring a Lead Product Designer in London. This role shapes product solutions and influences design direction across projects. The Lead Product Designer works closely with cross-functional teams to deliver user-focused designs that support engagement and satisfaction.

Role overview Wise is looking for a Senior Credit Risk Manager to lead credit risk assessment strategies in London. This role shapes how Wise manages credit risk and strengthens the company’s risk management practices. What you will do Analyze credit data to identify trends and potential risks Develop and refine risk models for Wise’s credit portfolio Guide initiatives that improve the credit risk framework Work closely with teams across the business to share insights and support decision making Help shape credit policies and risk management approaches What we’re looking for Strong analytical skills with experience working with complex datasets Ability to communicate clearly with cross-functional teams Proactive approach to identifying and managing credit risk Experience developing credit risk models and strategies

Join Zopa as a Senior Credit Strategy Analyst and be part of our innovative credit analytics team. You will develop risk models, conduct hypothesis testing, and monitor portfolio trends to enhance credit performance. Collaborate with cross-functional teams, including data science, product, and engineering, to create growth strategies, influence key strategic decisions, and uncover new opportunities through advanced analytical techniques. We seek individuals who can transform data into actionable insights and drive impactful decision-making.

Join Wise as a Product Design Lead focused on our Receive team. In this pivotal role, you will spearhead innovative design solutions and enhance user experiences. You will collaborate closely with cross-functional teams to drive the design strategy and improve the functionality of our products.

Join Wise as an Implementation Lead for our Servicing Products team, where you will play a pivotal role in driving the implementation of innovative servicing solutions. You will collaborate with cross-functional teams to ensure seamless integration and delivery of our products, enhancing customer experience and satisfaction.

Join Wise as a Lead Product Analyst specializing in onboarding processes. In this role, you will be a key player in analyzing user experience data, identifying improvement opportunities, and collaborating with cross-functional teams to enhance our onboarding journey. Your analytical skills will help us optimize our processes, ensuring a seamless experience for our customers as they begin their journey with Wise.

Role Overview Zoopla is looking for a Lead Product Designer based in London. This role leads the design vision and execution across several product areas, starting with the ongoing development of Zoopla’s Search functionality. What You Will Do Shape and drive the design strategy for key product domains, with an initial focus on Search. Work closely with product, engineering, and business teams to set direction and ensure design supports business goals. Identify opportunities for improvement and set clear design trajectories that deliver measurable impact. Influence product strategy and prioritization at a senior level, ensuring design is central to decision-making. Advocate for design as a driver of growth, conversion, and long-term customer satisfaction. Go beyond responding to briefs by proactively shaping product strategies and contributing to high-level discussions. Leadership and Team Development Mentor and support a small team of designers, encouraging creativity and skill growth. Establish scalable design practices that improve team performance and consistency. Set benchmarks for design quality and foster cross-functional collaboration. Location This position is based in London, England, United Kingdom.

Location: London, England, United Kingdom Team Overview Kroo’s underwriting team combines data analysis with a commitment to understanding real customer behavior. The group plays a central role in evaluating credit applications and shaping lending practices as the bank grows. Integrity, transparency, and continuous learning shape the way the team works together. What You’ll Do Assess and make decisions on consumer credit applications up to £25,000 using open banking data, credit bureau reports, and application details. Analyze income and affordability, focusing on customer transactions and cash flow through open banking sources. Evaluate credit risk and decide on approvals or declines in line with Kroo’s policies, risk appetite, and regulatory requirements. Identify and document potentially fraudulent or suspicious applications, including performing KYC and fraud checks when needed. Apply sound judgment to near-prime cases, balancing customer outcomes with risk management. Work closely with colleagues in underwriting, risk, and operations to support a smooth customer experience. Help improve underwriting processes, controls, and decision standards as the team evolves. Maintain strong knowledge of Kroo’s products and understand how underwriting decisions affect customer experience and portfolio results. Keep up to date with UK regulations and compliance standards relevant to consumer lending. What We’re Looking For At least 2 years of experience in credit underwriting or credit risk assessment. Solid understanding of consumer lending, affordability checks, and credit risk concepts. Hands-on experience analyzing open banking data for income and affordability assessments. Strong analytical skills with attention to detail in risk review and decision-making. Clear communication and effective interpersonal skills. Kroo is growing and welcomes those who want to help shape the future of banking with a focus on trust and customer impact.

Legal & General seeks a Senior Credit Analyst to join the Reinsurance and Insurance division in London. This role centers on evaluating credit risk and influencing decisions that help protect clients’ financial security. Role overview The Senior Credit Analyst will focus on assessing credit risk across reinsurance and insurance portfolios. The position involves shaping credit decisions and supporting the company’s long-term financial commitments. Key responsibilities Evaluate credit risk for both reinsurance and insurance portfolios Provide clear, actionable insights to guide business choices Work closely with colleagues across departments to improve credit assessment practices Support compliance with relevant industry standards and internal policies Requirements Extensive experience in credit analysis, preferably within insurance or reinsurance Strong analytical abilities and effective communication skills Comfort working with colleagues from a range of business areas