Risk Analytics & AI Lead

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 a Risk Analytics & AI Lead to take charge of credit analytics across our portfolio of lending products – including Invoice Finance, Embedded PayLater, and Term Loans – with a particular focus on optimising decision science and our risk models. You will also lead on incorporating the latest developments in AI to our analytics and risk data science approach.

This is a high-impact, cross-functional role that will be central to shaping credit risk strategies, redesigning core risk capabilities, driving portfolio performance, and supporting investor confidence. You will work closely with internal teams including Product, Data Science, Engineering, and Capital Markets, and provide critical insight to senior leadership and external investors.

What You’ll Do

• Lead Risk Analytics Strategy and Decision Science: Own and evolve the credit risk framework across originations, portfolio management, and collections for multiple lending products. Utilise AI across everything that we’re working on.
  
  
• Shape New Products: Define data and risk requirements for the launch of a new customer solution, particularly in data capture and automated credit decisioning processes.
  
  
• Performance Monitoring: Continuously assess and improve portfolio performance through data-driven insights, forecasting, stress testing, and ad-hoc analysis.
  
  
• Stakeholder Reporting: Communicate key risk insights to senior leaders, the Board of Directors, and external investors/partners in a clear, concise, and non-technical manner.
  
  
• Investor Support: Collaborate with Capital Markets to secure funding by demonstrating confidence in credit profitability and performance.
  
  
• Strategy Optimisation: Conduct impact assessments on credit strategies and recommend enhancements to improve decision-making.
  
  
• Cross-functional Collaboration: Partner with Product, Engineering, and Data Science to develop predictive models, build product features, and refine risk processes.
  
  
• Collections Strategy: Support collections and recovery initiatives with data-backed insights and strategy development.

Requirements

• Proven experience in decision science, credit risk analytics, data modelling and AI, ideally within financial services or fintech.
  
  
• Strong understanding of risk disciplines including unit profitability evaluation, pricing, risk appetite setting, and credit policy design.
  
  
• Experience with B2B/SME lending is highly desirable, though not essential.
  
  
• Demonstrated ability to influence and collaborate with cross-functional teams and senior stakeholders.
  
  
• Strong leadership and people management skills with a track record of building high-performing teams.
  
  
• Exceptional analytical and problem-solving abilities with a hands-on approach.
  
  
• Excellent communication skills, particularly in translating complex findings into accessible, actionable insights.
  
  
• Organised, proactive, and able to manage multiple priorities across different products and development stages.
  
  
• Comfortable working in a fast-paced, evolving environment with a start-up / build-it-yourself mindset.

Benefits

Our company values are:

#MakeItHappen:

We're focused on getting the important stuff done first. We don't get bogged down in long emails and lots of meetings, we find solutions (they're out there!) and get it done!

#AlwaysBeLearning:

The only constant is change: we embrace change and learn. By executing fast and iterating we can learn and get to the best result. We ask and listen for feedback, and always provide it too.

#1Team1Dream

We always put the whole company first - when we succeed collectively, we all succeed individually. Everyone has a voice, we listen to each other's opinions.