Distributor Risk Lead (Fintech)

TL;DR

Distributor Risk Lead (Fintech): Overseeing the end-to-end onboarding and ongoing oversight risk frameworks for Auto, Payments, and Retail Finance partners with an accent on designing risk-based models and embedding data-driven risk management. Focus on driving automation of workflows, improving operational resilience, and communicating complex risk analysis to senior stakeholders.

Location: Hybrid (must be able to attend the London office 2-3 days per week)

Company

A digital bank redefining finance by empowering customers through innovative, fair, and transparent banking solutions.

What you will do

• Design, iterate, and operate a risk-based onboarding model for distribution partners within clear, proportionate frameworks.
• Translate risk appetite into measurable metrics including KRIs, KCIs, and KPIs for senior governance.
• Partner with Product and Engineering teams to digitize and automate onboarding and monitoring workflows.
• Proactively identify and address weaknesses in onboarding and monitoring processes to enhance speed and resilience.
• Provide structured risk analysis and clear trade-off recommendations to support business growth.
• Lead and coach a team to protect throughput while ensuring effective risk management.

Requirements

• Deep experience in designing risk-based onboarding and oversight frameworks for third-party partners, intermediaries, or merchants.
• Proven ability to define and implement Risk MI, including thresholds and early warning indicators.
• Strong track record of collaborating with Product and Engineering to implement system-executable controls.
• Confident communication skills with the ability to explain complex risk topics to senior governance forums.
• Experience in people leadership, including coaching and performance management.
• Must be able to work from the London office 2-3 days per week.

Nice to have

• Experience in a regulated bank or fintech environment.
• Focus on SMB risk and working across all three lines of defense.

Culture & Benefits

• Flexible working environment promoting face-to-face collaboration and work-life balance.
• Option to work from abroad for up to 120 days per year.
• Supportive culture committed to diversity, equity, and inclusion.
• Access to resources needed to thrive in both work and home life.