Product Lead - Credit

WiseLondon

On-site Full-time

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Experience Level

Mid to Senior

Qualifications

Proven experience in product management, preferably in the financial services sector. Strong analytical skills with the ability to interpret data and make data-driven decisions. Excellent communication and leadership skills, capable of managing teams and stakeholders. Experience with agile methodologies and product lifecycle management. Passion for customer-centric product development and a strong understanding of user experience principles.

About the job

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 concept through to launch
Collaborate with colleagues across product, engineering, and other teams to deliver new features and improvements
Monitor customer needs and market trends to keep Wise’s credit products relevant and valuable

Location

This role is based in London.

About Wise

Wise is a leading financial technology company that aims to make money transfer and currency exchange simple, affordable, and transparent. With a focus on innovation and customer satisfaction, we are dedicated to providing our users with the best possible financial solutions. Join our team and help us revolutionize the way people handle their finances.

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Product Lead - Credit

Wise

Full-time|On-site|London

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…

Apr 28, 2026

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Director of Product - Credit & Underwriting

Uncapped

Full-time|Hybrid|London, England, United Kingdom

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its data into immediate access to capital.At Uncapped, we recognize that conventional credit scoring methods are outdated.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.

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Full-time|On-site|London, England, United Kingdom

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.

Feb 26, 2026

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Lead Credit Risk Analytics

Kriya

Full-time|On-site|London, England, United Kingdom

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.

Jan 19, 2026

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Credit Control Lead at carwow | London

carwow

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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.

Mar 27, 2026

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Credit Control Manager

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Full-time|On-site|London, England, United Kingdom

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.

Apr 2, 2026

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Graduate Credit Analyst

iwoca Ltd.

Full-time|On-site|London

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.

Feb 11, 2026

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Full-time|Remote|London, England, United Kingdom; Poland Remote

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

Apr 28, 2026

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Wise

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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

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