Fractional Head Of Risk – Fintech / Tech & Media Lending (Interim)
Posted 1 week ago by ReachX
Negotiable
Undetermined
Hybrid
United Kingdom
Summary: The Interim Head of Risk will lead the risk and legal functions for a global FinTech firm during a period of expansion, focusing on digital transformation in the lending process. This role involves oversight of risk appetite, compliance, and strategic leadership while collaborating with management and external stakeholders. The ideal candidate will possess extensive experience in finance, particularly in investment banking or commercial lending, and demonstrate strong leadership and communication skills. This position is based in either Berlin or London with a hybrid working arrangement.
Key Responsibilities:
- Lead the structuring, assessment, and approval of all risk positions globally.
- Drive the end-to-end customer lending process with a focus on digital transformation and automation.
- Support the refinancing of the customer portfolio and ensure compliance with documentation standards.
- Recruit, mentor, and develop the Risk and Legal teams while collaborating on long-term growth strategy.
- Provide risk-focused advice for launching and scaling new financing products.
- Balance risk management with a commercial mindset to promote revenue and profitability.
Key Skills:
- 5+ years of experience in the finance industry, particularly in investment banking, commercial lending, or private debt.
- Proven track record in developing credit underwriting frameworks using traditional and non-traditional data.
- Experience managing and coaching junior team members in a high-performance culture.
- Strong interest in FinTech and the latest underwriting technologies.
- Experience with invoice or receivables financing is advantageous.
- Fluent in English; German language skills are a plus.
- Entrepreneurial mindset with the ability to manage risk in a start-up context.
Salary (Rate): undetermined
City: undetermined
Country: United Kingdom
Working Arrangements: hybrid
IR35 Status: undetermined
Seniority Level: undetermined
Industry: Finance
Interim Head of Risk
Location: Berlin or London (Hybrid / Partial Remote)
Duration: 12-Month Contract (with potential for extension or permanent transition)
Compensation: Highly competitive on a day rate
The Opportunity
ReachX is proud to partner with a leading global FinTech firm that provides scalable, user-friendly financing solutions to innovative technology and media companies. Backed by Europe’s largest FinTech company builder, our client has seen continuous growth across Europe and the US since 2015. We are seeking a dynamic Interim Head of Risk to lead their risk and legal functions during a period of exciting expansion. This role offers the chance to join a management team working directly with external shareholders to shape the future of tech-focused lending.
Your Impact
As the Head of Risk, you will maintain oversight of the firm’s risk appetite while driving the digitalization of the lending process.
- Risk Oversight: Lead the structuring, assessment, and approval of all risk positions globally.
- Process Innovation: Drive the end-to-end customer lending process, with a heavy emphasis on digital transformation and automation.
- Refinancing & Compliance: Actively support the refinancing of the customer portfolio and ensure rigorous compliance with all documentation standards.
- Strategic Leadership: Recruit, mentor, and develop the Risk and Legal teams; collaborate with other business units to refine the company’s long-term growth strategy.
- Product Development: Provide risk-focused advice to help launch and scale new financing products.
- Mission Execution: Balance risk management with a commercial mindset to promote revenue, profitability, and hyper-growth.
Requirements for Success
The ideal candidate is an analytical leader who thrives in fast-paced, entrepreneurial environments.
- Experience: 5+ years in the finance industry, specifically within investment banking, commercial lending, or private debt.
- Underwriting Expertise: Proven track record in developing credit underwriting frameworks that utilize both traditional financial data and non-traditional data sets.
- Leadership: Previous experience managing and coaching junior team members in a high-performance culture.
- Tech Affinity: A strong interest in FinTech and the latest underwriting technologies.
- Niche Expertise: Experience with invoice or receivables financing is highly advantageous.
- Communication: Fluent in English; German language skills are considered a plus.
- Mindset: An entrepreneurial spirit with the ability to manage risk within a commercial, start-up context.