National AI Awards 2025Discover AI's trailblazers! Join us to celebrate innovation and nominate industry leaders.

Nominate & Attend

Head of Credit Risk Germany

Iwoca Ltd
Leeds
5 months ago
Applications closed

Related Jobs

View all jobs

Head of Data Science...

Head of Data Science and Analytics

Head of Data Science

Head of Data Science

Data Scientist

Graduate Data Scientist - Fraud

The company

Fast, flexible finance empowers small businesses to manage their cash flow better and seize opportunities - making their business and the economy stronger as a whole. At iwoca, we do just that. We help businesses get the funds they need, when they need it, often within minutes. We’ve already made several billion in funding available to more than 100,000 businesses since we launched in 2012, and positioned ourselves as a leading Fintech in Europe.

Our mission is to finance one million businesses. We’ll get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cutting-edge technology, data science, and a 5-star customer service.

The role

We are looking for an experienced Head of Credit Risk with a strong analytical background, to lead the credit risk function for our lending portfolio in Germany.

You will work closely with the Chief Credit Officer, the General Manager for Germany, our data scientists, and teams from across the business to ensure our risk management frameworks, scorecards, and lending strategies are effectively managing credit risk while maximising value creation.

Responsibilities include:

  1. Being the responsible expert on all things related to credit risk management:
  • Driving informed decision-making to set credit risk appetite appropriately for the economic conditions and iwoca’s business plan.
  • Developing credit risk management policies and control frameworks, and actively managing adherence.
  • Setting the credit risk agenda aligned to the business strategy, and providing strong leadership to the credit risk team to drive its delivery.
  • Monitoring credit performance on aggregate and by segment. Proactively driving corrective action where required.
  • Driving improvements to credit risk scorecards, associated scoring processes, and data infrastructure.
  • Providing credit risk expertise to support product development when launching new features, e.g. longer terms, interest only, etc.
Supporting the capital markets team by providing credit risk expertise to ensure funding vehicles are set up to provide sufficient capacity, flexibility, and resilience at an appropriate cost. Communicating with equity and debt investors as required around loan book credit performance.

The team:

You’ll join the Credit Risk team, whose primary focus is managing the credit risk profile of our lending portfolios to support iwoca’s broader business goals and mission. As Head of Credit Risk for Germany you will be a key member of the team focused on the development of our lending business in Germany.

The requirements

  • Strong analytical background: a degree in Mathematics, Physics, Engineering, or similar quantitative field; or equivalent experience.
  • 7+ years experience in credit risk and lending strategy optimisation at a traditional or Fintech lender.
  • Passion for analytical problem-solving, with a strong track record in developing conceptual frameworks and technical execution. This will include the ability to personally conduct data-driven analysis and guide this work through others.
  • Experience using Python is a plus.
  • Excellent understanding of the statistical techniques and machine learning methods used in credit risk analysis and modelling. Guiding the work of data scientists is an important part of this role.
  • Excellent communication, stakeholder management, and leadership skills.
  • Strong commercial instincts.
  • Experience of the German lending market, SME lending, and German language skills are all beneficial.

The salary

We expect to pay from €125,000 to €160,000 for this role, but we’re open-minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews.

The culture

At iwoca, we look to hire smart, passionate, humble individuals with a growth mindset. We prioritise a culture of learning, growth, and support, and invest in the professional development of our team members.

We value thought and skill diversity, and encourage you to explore new areas of interest to help us innovate and improve our products and services.

Our friendly and inclusive environment, combined with our flexible work policies, ensures that you'll have the perfect balance between work and life, empowering you to thrive both personally and professionally.

#J-18808-Ljbffr

National AI Awards 2025

Subscribe to Future Tech Insights for the latest jobs & insights, direct to your inbox.

By subscribing, you agree to our privacy policy and terms of service.

Industry Insights

Discover insightful articles, industry insights, expert tips, and curated resources.

How to Present Machine Learning Solutions to Non-Technical Audiences: A Public Speaking Guide for Job Seekers

Machine learning is driving change across nearly every industry—from retail and finance to health and logistics. But while the technology continues to evolve rapidly, the ability to communicate it clearly has become just as important as building the models themselves. Whether you're applying for a junior ML engineer role, a research position, or a client-facing AI consultant job, UK employers increasingly expect candidates to explain complex machine learning solutions to non-technical audiences. In this guide, you’ll learn how to confidently present your work, structure your message, use simple visuals, and explain the real-world value of machine learning in a way that makes sense to people without a background in data science.

Machine Learning Jobs UK 2025: 50 Companies Hiring Now

Bookmark this page—we refresh the Hotlist every quarter so you always know who’s really scaling their ML teams. The UK’s National AI Strategy, a £2 billion GenAI accelerator fund and a record flow of private capital have kicked ML hiring into overdrive for 2025. Whether you build production‑grade LLM services or optimise on‑device models for edge hardware, employers need your skills now. Below you’ll find 50 organisations that advertised UK‑based machine‑learning vacancies or announced head‑count growth during the past eight weeks. They’re grouped into five quick‑scan categories so you can jump straight to the type of employer—and mission—that excites you. For each company we list: Main UK hub Example live or recent vacancy Why it’s worth a look (stack, impact, culture) Search any employer on MachineLearningJobs.co.uk to see real‑time adverts, or set a free alert so fresh openings drop straight in your inbox.

Return-to-Work Pathways: Relaunch Your Machine Learning Career with Returnships, Flexible & Hybrid Roles

Returning to work after an extended break can feel like starting from scratch—especially in a specialist field like machine learning. Whether you paused your career for parenting, caring responsibilities or another life chapter, the UK’s machine learning sector now offers a variety of return-to-work pathways. From structured returnships to flexible and hybrid roles, these programmes recognise the transferable skills and resilience you’ve developed, pairing you with mentorship, upskilling and supportive networks to ease your transition back. In this guide, you’ll discover how to: Understand the current demand for machine learning talent in the UK Leverage your organisational, communication and analytical skills in ML contexts Overcome common re-entry challenges with practical solutions Refresh your technical knowledge through targeted learning Access returnship and re-entry programmes tailored to machine learning Find roles that fit around family commitments—whether flexible, hybrid or full-time Balance your career relaunch with caring responsibilities Master applications, interviews and networking specific to ML Learn from inspiring returner success stories Get answers to common questions in our FAQ section Whether you aim to return as an ML engineer, research scientist, MLOps specialist or data scientist with an ML focus, this article will map out the steps and resources you need to reignite your machine learning career.