Lead Credit Ops

About the role

The Lead Credit Ops will build and launch the first-line credit operations function for Pennylane’s own-book financing activity. This role involves translating credit policies into executable decisions, workflows, and auditable outcomes while collaborating with Product, Tech, and Risk teams. The successful candidate will initially remain hands-on with origination and manual reviews before scaling the operating model and team as volumes grow.

Responsibilities

• Own the end-to-end execution of credit origination, including manual reviews, decisions, exception handling, and escalation to Risk.
• Build the credit operating model, including procedures, decision trees, delegated authorities, first-line controls, and operational KPIs.
• Own first-line operational monitoring of the active book, including repayment incidents and early-warning signals.
• Build the operational relationship with the financing partner, defining clear responsibilities and service levels.
• Partner with Product, Tech, Risk, and Data to design origination workflows, analyst tools, and scoring processes.
• Recruit and lead the first credit analysts as volumes grow, establishing quality standards and a culture of rigour.

Required skills

• Credit operations
• Underwriting
• Financial services
• Operational quality
• Team leadership
• Workflow design
• French
• English

Nice to have

• SME financing
• Invoice financing
• Working-capital facilities

Benefits

• Health insurance
• Meal vouchers
• Additional paid leave
• Remote work budget
• Equity
• Gym membership
• Mac laptop

About the Company

Pennylane is a high-growth FinTech company that provides an innovative accounting and financial management solution for European SMEs and accounting firms. With a team of 1,200 employees from 25 countries, the company is backed by investors including Sequoia and serves over 1.5 million businesses.