Senior Risk Analyst

Kriya is a fintech platform that 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 distribution partners including Barclays Bank UK PLC, and is backed by a prestigious array of equity investors including Northzone, Barclays Bank UK PLC and Mouro Capital (owned by Santander Bank).

Why Kriya

Kriya is an entrepreneurial and fast moving Fintech looking to scale up its risk analytics capability. The business has helped thousands of small businesses bridge the gap between completing orders and waiting to collect buyer payments. We are now interested in how we evolve our product set to integrate into third party ecosystems, creating an embedded finance offering. Increasingly B2B transactions are going digital and we are very well placed to help various platforms with this transition.

You will be part of a small and highly committed team helping Kriya develop our platform, manage risk and grow our business. This team is central to our product proposition and this role represents an outstanding high profile opportunity for the right candidate to shape our risk management capabilities.

What you'll do

• Define build and implement our next generation application stage rules and credit risk models including working in close collaboration with our in-house manual underwriting teams to codify and embed their insights into our automated decisioning processes
• Monitor and manage to credit risk performance and periodic repricing and credit limit management of our existing portfolio of merchants and their SME customers
• Directly influence the minimisation of credit losses through development of collections strategies and both detective and reactive fraud defences
• Regularly collaborate across functions including Operations, Commercial, Business Development and Executive Leadership presenting analytical insights as pragmatic and commercially focused business strategies
• Shape the future requirements of our risk management data model through close collaboration with our Engineering teams

• 3-5 years relevant experience working in the risk analytics function of a consumer / SME finance business 
• Experience working with an industry standard cloud based analytical toolkit; ideally MS Azure and PowerBI 
• Excellent communication;easily able to articulate complex concepts concisely and in simple terms to both technical and non-technical audiences 
• The ability to collaborate, influence and build relationships throughout the organisation
• Strong delivery focus with ability to define structured priorities and goals in a fast paced working environment 
• Numerical degree (i.e. mathematics, science, engineering or economics) from a top tier university or equivalent experience

Not only will you have the opportunity to make a huge impact at one of the UK's leading FinTech companies, you will also have access to:

• 60 days work from abroad allowance
• A great office in the heart of Shoreditch (complete with roof terrace, ping pong, and beer fridge), to help collaboration and in-person innovation time
• Private health coverage and discounted gym memberships
• Amazon Kindle and book purchase allowance
• Enhanced maternity/paternity leave
• 25 days of annual leave per year, plus your Birthday off
• Lunches provided twice a week (Tuesdays and Thursdays) and monthly breakfast treats

Our Commitment to You

We will do our best to reply to all applications, however if you have not had a response within 4 weeks, please assume your application has not been successful.

Kriya is constantly working to maintain and improve on creating an inclusive workplace where people can bring their authentic selves to work. We ensure that both applicants and our people receive unbiased treatment without discrimination on the grounds of gender, age, disability, religion, belief, sexual orientation, marital status, race or any other protected characteristic.

How will we use your information?

We will use your data to process your application, to allow us to assess your suitability for a role, market job opportunities and recruitment information and improve our sites. We may share your data with third parties to achieve these purposes. We will not share your data for marketing purposes. We will keep your data safe in accordance with data protection legislation.

If you are unhappy with the use of your data, you can change your mind at any time by emailing talent@kriya.co