Lead Credit Ops H/F

The role

You will build and launch the first-line credit operations function for Pennylane's own-book financing activity. You will translate credit policy into executable decisions, workflows, and controls while managing origination, manual reviews, and portfolio monitoring.

What you will do

• Own end-to-end execution of credit origination including manual reviews and decisions
• Build the credit operating model including procedures, decision trees, and controls
• Perform first-line operational monitoring of the active book
• Build the operational relationship with the financing partner
• Provide Risk with structured feedback on policy effectiveness and portfolio signals
• Partner with Product, Tech, Risk and Data to design workflows and tools
• Recruit and lead the first credit analysts as volumes grow

Required qualifications

• Significant experience in credit or underwriting operations within a regulated financial-services environment
• Experience managing operational quality, SLAs and capacity
• Direct team leadership or a strong player-coach track record
• Strong understanding of first-line credit operations and respective responsibilities of Operations and Risk
• Experience collaborating with Product or Tech teams on workflows, tooling and automation
• Ability to use operational and portfolio indicators to identify early-warning signals
• Ability to make structured, well-documented decisions
• Fluent French and English are mandatory
• Based in France
• Energized by an ever-shifting work environment
• Highly collaborative
• Sufficiently experienced to prioritize business-led actions

Nice to have

• Experience with SME financing products, such as invoice financing or short-term working-capital facilities

Benefits

• 25 vacations days paid
• Competitive compensation package
• Company shares
• Budget to turn your home into a more comfortable workspace
• Monthly allowance to work from a coworking space
• Access to 8000 fitness spaces in Europe and more than 300 activities through Gymlib
• Latest Apple equipment
• Ability to work remotely from your country of residence in Europe (within 2 hours of CET)
• Company events such as Tech Days and annual company seminar
• 6 to 12 RTT (if based in France)
• 5 weeks PTOs (if based in France)
• Lunch credits (Swile) and Alan Blue healthcare cover (if based in France)

About the company

Pennylane is a fast-growing Fintech in France providing accounting and financial software for small businesses and accountants. It aims to become the most beloved financial Operating System for French SMEs and Accounting Firms.