Base pay range

£82,000 to £95,000 per annum + Bonus (Permanent, negotiable depending on experience)

Location

Location: Birmingham Head Office (Flexible for the right candidate)

Salary

Salary: £82,000 to £95,000 per annum + Bonus (Flexible for the right candidate)

Reporting to

Reporting to: Managing Director

Team

Team: Managing a team of Senior Underwriters

About Love Finance

Love Finance is a leading online finance broker and lender dedicated to empowering UK businesses by offering flexible business loans. We’re disrupting traditional financial services with technology-driven lending, while keeping a human touch at our core. Since 2016, Love Finance has been instrumental in assisting thousands of companies in accessing funding via cutting-edge technology. Ranked in the Top 15 fastest growing finance companies, with Great Places to Work certification and a 4.9-star rating on Trust Pilot, we consistently surpass our targets and are looking to continue our growth trajectory. As we grow, we’re looking to strengthen our risk and credit oversight with an experienced professional who’s been in the thick of the lending space—and is ready to help shape our future.

The Role

We’re hiring a Head of Credit & Risk to lead our underwriting and credit risk function within the loan division. This role is pivotal to ensuring we balance strong growth with robust lending decisions, governance, and compliance. Now’s the time to bring in a specialist new role with real-world experience in the alternative loans and lending space.

We’re looking for someone who knows the alternative funding space, has seen the challenges of scaling loan books responsibly, and can lead both people and process to deliver results.

Key Responsibilities

• Develop, implement, and refine credit risk strategies that align with Love Finance’s lending appetite.


• Leadership & Oversight: Lead a team of experienced underwriters, providing coaching, direction, and decision support.


• Product Development: Work with cross-functional teams to design and roll out new loan products tailored to SME needs.


• Use data-driven approaches, algorithms, metrics, and portfolio analytics to monitor performance, early warning signs, and trends


• Systems & Process Improvement: Own and optimise LMS system, driving automation where possible and ensuring smooth operational processes


• Compliance & Regulation: Stay ahead of FCA requirements, legislation changes, and ensure marketing and lending practices remain compliant in the short-term lending space


• Stakeholder Management: Collaborate with Finance for reporting, forecasting, and aligning on funding and risk appetite


• Work closely with tech and data teams as well as previous experience using funding platforms

What We’re Looking For

• Proven experience in a senior credit or risk role within the alternative lending, SME lending, or short-term finance space


• Someone who has “been there and done it” with underwriting, policy development, and credit decisioning


• Strong knowledge of lending systems – bonus if familiar with LTI or similar LMS platforms


• Hands-on experience managing underwriting teams and coaching talent


• Confident communicator who can liaise across departments and present to senior stakeholders


• Deep understanding of the current lending market, including competitor products and pricing strategies

Why Join Love Finance?

• Competitive salary with flexibility for the right candidate


• Significant influence over product and credit strategy


• Supportive leadership with a vision for scale


• Long-term opportunity to progress into a more senior strategic role


• Fast-paced, agile environment with modern tools and mindset

If you\'re ready to join a growing lender and shape the future of responsible, flexible finance, we’d love to hear from you.

Seniority level

Mid-Senior level

Employment type

Full-time

Job function

Finance and Other