Fractional Credit & Risk Lead (6–8 Hours per Week) – FinTech / Remote

Fractional Credit & Risk Lead (6–8 Hours per Week) – FinTech / Remote PLEASE READ THE FULL JOB DESCRIPTION BEFORE APPLYING Location: Remote Working Pattern: Fractional – approximately 6–8 hours per week Environment: Early-Stage FinTech / Financial Services About the Opportunity Our client is an early-stage FinTech business developing technology designed to support businesses operating within an increasingly digital and international financial environment. As the organisation develops its product, governance and specialist leadership capability, it is looking for an experienced Fractional Credit & Risk Lead . The successful candidate will bring strong practical credit expertise and help shape how credit assessment and risk considerations are translated into scalable processes, decision frameworks and technology. This is not a traditional credit-management position within an established financial institution. You will be joining an early-stage organisation where frameworks and processes are still developing and where specialist expertise needs to be translated into practical business and product requirements. Further details regarding the engagement and participation structure will be discussed directly with candidates progressing through the process. Application – Mandatory Qualifying Questions Please submit your CV together with a cover letter . Within your cover letter, you must answer each of the mandatory qualifying questions below . What experience do you have within credit risk, credit assessment, lending or another directly relevant financial-services environment? Please describe a credit-risk, credit-assessment or decisioning framework/model that you personally designed, materially developed or owned. What inputs were used, what decisions did it support and what was your personal contribution? What experience do you have assessing SME or business creditworthiness? What experience do you have using financial, transactional, behavioural or alternative data within credit assessment or risk decisioning? Have you worked with Product, Data or Engineering teams to translate credit or risk expertise into technology, models, systems or product requirements? Please provide an example. Do you have experience within FinTech, trade finance, payments, lending, banking, SME finance or cross-border financial services? Please explain. What experience do you have working within an early-stage, high-growth or resource-conscious environment? This opportunity requires approximately 6–8 hours per week . Can you consistently commit to this level of involvement alongside your other professional commitments? These questions are mandatory and form part of our initial assessment process. Applications that do not provide a clear answer to every mandatory qualifying question will be automatically disqualified and will not be considered further in the recruitment process. What You'll Be Doing You will provide specialist credit and risk leadership as the company develops its proposition and underlying frameworks. Your responsibilities are likely to include: Helping develop credit-assessment and risk frameworks Defining appropriate credit and risk principles Advising on SME/business credit assessment Supporting the development of credit decisioning approaches Identifying appropriate financial and non-financial data inputs Helping determine appropriate risk indicators and decision criteria Working with Product, Data and Engineering colleagues to translate credit expertise into practical requirements Supporting development and validation of credit-related methodologies Advising on portfolio and concentration risk as the business develops Supporting appropriate governance and documentation Contributing specialist expertise to product and commercial discussions Helping establish scalable credit-risk capability as the company grows What We're Looking For We are particularly interested in candidates with genuine hands-on credit expertise , rather than broad enterprise-risk experience alone. You may be a strong fit if you have: Significant credit-risk or credit-assessment experience Strong understanding of business or SME credit Experience developing or materially contributing to credit frameworks or models Strong analytical and commercial judgement Experience interpreting financial and other relevant data Understanding of credit decisioning Experience collaborating with technical and Product teams Ability to communicate complex risk concepts clearly Experience within financial services or FinTech Ability to operate independently within an early-stage environment Particularly valuable experience includes: SME lending Trade finance Banking Alternative finance FinTech Credit scoring or decisioning Alternative data Portfolio risk Cross-border finance Financial-services technology Engagement Structure This is a flexible, fractional engagement of approximately 6–8 hours per week within an early-stage FinTech venture. It is designed for someone comfortable providing senior specialist expertise alongside other compatible professional commitments and with a structure centred on longer-term participation in company growth rather than a conventional package at this stage. Full details of the participation structure will be discussed with candidates progressing through the process.