Curve was founded with a rebellious spirit, and a lofty vision; to truly simplify your finances, so you can focus on what matters most in life.

That’s why Curve puts your finances simply at your fingertips, so you can make smart choices on how to spend, send, see and save your money. We help you control your financial life, so you can go out and live the life you want to live.

With Curve you can spend from all your accounts, track spend behaviour and provide insights, and security to protect you from fraud. For the first time giving you bright insights and control of all your money in one beautiful place.

We’re developing a ground-breaking product with our customers at the core. Our user base is growing rapidly and we have exceptional metrics. We have funding from the leading names in tech investment, and a visionary leadership team who wants everyone who joins this remarkable adventure, to have the autonomy to masterfully develop their expertise.

Welcome to Curve. On a mission to help you live inspired.

The General Manager (Curve Credit) will own the product line for Credit including revenue, direct costs and capital / liquidity utilisation. This will be a FCA registered SMF1 position - CEO of the regulated entity solely used for this business. This is a revised product line, delivering new lending opportunities for customers andwill also include the careful management of the existing back-book of loans which is a discontinued business. The role is a senior leadership role and therefore will take on additional responsibilities across Finance and Risk as agreed with the Group CFO.

Key Accountabilities:

• Setting and owning the strategy for the credit business.
• Defining P&L targets and building an appropriate risk-return model to demonstrate efficient use of Curve resources - people, capital, liquidity.
• Managing the P&L line to budget and directing Product resources to achieve optimal customer penetration and user experience.
• Deliver H1 and H2 budget submissions and associated growth initiatives (including detailed initiative plan) in line with Budget timelines.
• Managing external partnerships and in particular the funding agreements with banking partners
• Operating the business within the agreed risk appetite parameters to achieve a healthy return across all credit cycles.
• Oversee Credit Risk Analytics on a daily basis to ensure future risks are identified and resolved early and seek out further opportunities to deliver business growth.
• Agree funding levels with Finance where Curve will have balance sheet exposure to lending activity not covered by funding agreements - this relates to the ongoing credit line exposure of the discontinued loans and any agreed on-balance sheet risk from new business outside of the risk parameters of our banking partners.
• Monitor the relationship with Equifax and ensure that this is operating effectively through regular discussions with the Head of Credit Risk and Head of Data analytics.
• Management oversight for local staff supporting credit risk analytics and collections
• Provide support to the Group CFO for other key Finance and Risk initiatives as agreed on a project by project basis.

Skills & Experience:

• Financial Services executive with 10+ years experience of operating in a complex business which includes credit related products and risks
• A strong understanding of risk departments and in particular credit risk and associated risks for consumer lending products, preferably within consumer lending or a fintech environment
• In-depth knowledge of regulatory requirements and compliance in the financial services industry.
• Awareness of consumer Finance legislation in the UK and able to direct resources to manage such risks
• Experience interacting and negotiating with third parties such as private debt funds, structured lenders, and rating agencies.
• Strong analytical skills with the ability to interpret complex data sets and draw actionable insights and be able to direct resources to deliver these insights.
• Creative problem-solving abilities and a strategic mindset.
• Able to manage matrix teams, multiple stakeholders and multiple projects
• Ability to work collaboratively in a fast-paced, dynamic environment.



Benefits:

• 25 days plus bank holidays
• Bonus days off for Learning & Development, Mental Wellbeing, Birthday, Moving House & Christmas
• Working abroad policy (up to 60 calendar days per year)
• Bupa Health Insurance (YuLife)
• Life insurance powered by AIG (5x Annual Salary)
• Pension Scheme powered by “People’s Pension” (4% Matched)
• EAP (Mental health & wellbeing support, Life coach, Career coach)
• 24/7 GP access (Smart Health via YuLife)
• Annual subscriptions to Meditopia & FIIT for your mind and body (via YuLife)
• Discounted shopping vouchers (via YuLife)
• Enhanced parental leave
• Ride to work scheme & Season ticket loan
• Electric car scheme
• Six nights of Night Nanny for new parents
• Free Curve Metal subscription for you and your +1