Join as the first risk hire at a pre-launch fintech designed to provide fair credit to 20 million underserved UK adults. Partnering directly with the Founder, you will build the credit strategy and automated risk infrastructure from zero, replacing outdated scoring with Open Banking and AI to drive financial inclusion.
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Chief Credit & Risk Officer at FairFlow Finance Limited
Are you a credit risk expert ready to build something of your own? This venture-backed fintech is building the UK's first AI-native non-prime lender to serve 20 million adults locked out of affordable credit. As the first risk hire, you'll partner with the Founder to build an automated risk function from scratch—replacing predatory interest with flat fees and Open Banking data. This is a hands-on C-suite role offering significant equity and the chance to disrupt a massive market while driving genuine financial inclusion. If you have 5+ years in consumer credit and the technical skills to build production-ready data pipelines, this is your ground-floor opportunity.
Overview
Role overview
Company
FairFlow Finance Limited
Consumer Credit1-5 employees
Venture-backed AI-native fintech disrupting the £20bn non-prime lending market
Responsibilities
What you will do
- Design and implement the core lending policy, scorecard models, and automated underwriting criteria for the MVP launch.
- Build end-to-end risk infrastructure, including automated data ingestion pipelines, daily KPI dashboards, and real-time monitoring systems.
- Establish FCA-compliant model governance, including validation schedules, drift detection, and audit-ready documentation for regulatory and investor review.
Candidate profile
Who this is a fit for
- 5+ years of experience in consumer credit or fintech with proven responsibility for underwriting, portfolio analytics, or risk automation.
- Hands-on technical fluency in Python, SQL, and data pipelines with the ability to operationalize models into production environments.
- Entrepreneurial mindset comfortable with UK regulatory standards, stakeholder management, and building from scratch in an ambiguous startup environment.
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What makes it remarkable
Why this role is remarkable
- Founding C-suite opportunity to build a market-first AI-driven risk function and team from the ground up for a mission-driven lender.
- Venture-backed with a disruptive model that replaces predatory interest rates with flat fees and flexible, behavior-based rewards.
- Direct equity-heavy upside in a pre-revenue startup where you will shape the product, strategy, and investor narrative from day one.
Jack & Jill
How Jack & Jill work together
I get to know what you’re great at, then find roles you’d never find yourself.Ok, I'll go first. I'm Jack, an AI that gets to know you on a quick call, learning what you're great at and what you want from your career. Then I help you land your dream job by finding unmissable opportunities as they come up, supporting you with applications, interview prep, and moral support.
I recruit from Jack’s network and make the intro when I spot a great match.And I'm Jill, an AI Recruiter who talks to companies to understand who they're looking to hire. Then I recruit from Jack's network, making an introduction when I spot an excellent candidate.
Meet Jack
Jack gets to know what you're great at and what you want next, then searches 14 million jobs daily and introduces you directly to hiring managers.
How does this work?
Jack's an AI agent for job searching and career coaching. He works for you.
Jill is the AI recruiter working for the company. She recruits from Jack's network.
If it's a match and the company wants to meet you, they'll make the intro. In the meantime, if you'd like, Jack will send you excellent alternatives.