Fractional Chief Risk Officer – Fintech / Tech & Media Lending
Posted 2 weeks ago by ReachX
Negotiable
Undetermined
Hybrid
United Kingdom
Summary: The role of Fractional Chief Risk Officer (CRO) is a strategic leadership position within a fintech company focused on providing non-dilutive financing solutions. The CRO will oversee risk management, lead the lending process, and collaborate with stakeholders to drive growth and profitability. This position requires extensive industry experience and a strong understanding of credit underwriting and technology. The role is hybrid, allowing for partial remote work, and is based in the UK or Europe.
Key Responsibilities:
- Oversee the structuring, assessment, and approval of all risk positions to ensure commercial and financial integrity.
- Lead the end-to-end customer lending process, with a strategic emphasis on the digitalization of the credit process.
- Actively participate in the refinancing of the customer portfolio and ensure full compliance with all documentation and regulatory requirements.
- Play a pivotal role in designing new financing products, providing expert, risk-focused advice to the management team.
- Partner with the CFO and other business units to shape and advance the company’s global strategy and capital allocation.
Key Skills:
- 7+ years in the finance industry, preferably in investment or commercial banking and lending.
- Deep experience in developing and setting credit underwriting processes that incorporate both traditional and non-traditional data sets.
- A strong interest in underwriting technologies and the ability to leverage technology to scale operations.
- Proven leadership skills with an entrepreneurial mindset, capable of managing risk within a commercial context while coaching junior team members.
- Experience with invoice or receivables financing is considered a significant advantage.
Salary (Rate): undetermined
City: undetermined
Country: United Kingdom
Working Arrangements: hybrid
IR35 Status: undetermined
Seniority Level: undetermined
Industry: Other
Fractional Chief Risk Officer – Fintech / Tech & Media Lending
Client Overview
Our client fintech is company that provides non-dilutive financing solutions, enabling founders to access debt funding so they can enhance their funding mix and retain control without giving up equity. Headquartered in Berlin, the company leverages proprietary technology and deep industry knowledge to assess risk faster and extend larger credit lines than traditional financers, including financing of international revenues.
Role Overview
They are seeking a dynamic Fractional Chief Risk Officer (CRO) to join their leadership team. This is a strategic Fractional Senior Executive engagement designed to provide senior oversight and drive the professionalization of the risk function. The role involves leading the lending process, advising on new product development, and collaborating directly with external shareholders to support the company’s mission of strong growth and profitability.
Location: Berlin or Europe/ UK (Hybrid / Partial remote work possible).
Key Responsibilities
- The fractional CRO will provide senior independent industry and functional expertise at the Board and operational level:
- Risk Oversight: Oversee the structuring, assessment, and approval of all risk positions to ensure commercial and financial integrity.
- Lending Process Leadership: Lead the end-to-end customer lending process, with a strategic emphasis on the digitalization of the credit process.
- Refinancing & Compliance: Actively participate in the refinancing of the customer portfolio and ensure full compliance with all documentation and regulatory requirements.
- Product Development: Play a pivotal role in designing new financing products, providing expert, risk-focused advice to the management team.
- Strategic Collaboration: Partner with the CFO and other business units to shape and advance the company’s global strategy and capital allocation.
Essential Skills and Experience
Candidates should possess the senior-level expertise required to advise C-suite stakeholders and manage complex risk environments:
- Industry Experience: 7+ years in the finance industry, with a strong preference for backgrounds in investment or commercial banking and lending.
- Credit Underwriting Expertise: Deep experience in developing and setting credit underwriting processes that incorporate both traditional and non-traditional data sets.
- Tech Affinity: A strong interest in underwriting technologies and the ability to leverage technology to scale operations.
- Leadership & Mindset: Proven leadership skills with an entrepreneurial mindset, capable of managing risk within a commercial context while coaching junior team members.
- Specialized Financing: Experience with invoice or receivables financing is considered a significant advantage.
Details
Commitment: 2 days per week (one full day and two half days).
Activity: C-Level Growth, Risk Manager, Interim CFO/Controller, Compliance Specialist.
Sector: Fintech, Financial Services, Technology, Telecom & Media.
Skills: Risk Management, Credit Analysis, Strategic Planning, Project Implementation, Regulatory Reporting.
Experience Level: 7-10 years+ (Senior leadership capacity).
Region: UK, EU.