Head of Credit Risk and Fraud

Kriya's suite of financial tools keeps business flowing brilliantly by providing frictionless access to payments, credit and working capital through seamless integrations and instant credit decisions.

Founded in 2011, Kriya has helped businesses collect over £28 billion in B2B payments, and advanced over £3.7 billion worth of credit through working capital and business loans. Kriya has a wide-reaching network of strategic partners including Barclays Bank, Stripe, Halfords and the British Business Bank, and is backed by prestigious equity investors including Northzone, Barclays Bank and Mouro Capital (owned by Santander Bank).

About the role

We’re looking for an exceptional Head of Risk to join our leadership team and take end-to-end ownership of risk strategy and execution across the business. This is a high-impact, high-visibility role reporting directly to the CEO.
As Head of Risk, you’ll lead the development and execution of Kriya’s enterprise-wide risk framework and collaborate with Commercial, Product, Data, Finance and Legal teams. You’ll oversee the full credit lifecycle—from analytics, underwriting and structuring, through monitoring, compliance and collections—while guiding a high-performing risk team. Also, you will lead the use of AI and Advanced Risk analytics across the risk function.

This is a rare opportunity to shape the future of embedded finance and digital lending at a company with massive reach and momentum.

What You’ll Do

• Develop and lead Kriya’s risk strategy across all business lines, products, and geographies.
• Serve as a key advisor to the CEO and Board on risk appetite, governance, and portfolio.
• Lead, grow, and mentor a high-performing Risk team (8 people on day one).
• Guide collections strategy and recovery workflows, ensuring efficiency and customer-centricity.

Requirements

• 7-10 years in debt capital markets, structured finance or corporate banking with a track record of leading complex credit transactions.
• STEM degree with strong analytical and decisioning skills
• Based in London or open to relocation to London
• Experience overseeing complex underwriting and deal structuring
• Demonstrated leadership across multiple dimensions of risk
• Proven ability to build and manage diversified portfolios and optimise risk-adjusted returns.
• Advanced analytical skills: financial modeling, large-data interrogation and critical credit assessment.
• Good communication and conflict resolution skills.
• Interest/Experience in leveraging AI tools.