Lead Credit Ops

Vous cherchez un environnement professionnel stimulant basé sur l'autonomie et la confiance ? Pennylane vous offre l'opportunité de grandir au sein d'une entreprise en pleine croissance. Ici, votre expertise contribuera directement à aider les entrepreneurs à reprendre le contrôle de leurs finances. Découvrez un lieu où vos compétences seront valorisées et où vous pourrez façonner l'avenir de la gestion financière. Notre vision Notre ambition est de devenir le logiciel de pilotage financier préféré des PMEs européennes. Nous aidons les entrepreneurs à se débarrasser des tâches chronophages liées à la comptabilité et à la finance, tout en leur donnant accès à des informations financières clés pour les aider à prendre les meilleures décisions pour leur entreprise. Parallèlement, nous aidons les cabinets d'expertise-comptable, en leur permettant de passer moins de temps sur des tâches redondantes et répétitives, et plus de temps sur la partie conseil et accompagnement de leurs clients. À propos de Pennylane Pennylane est une des FinTech à la plus forte croissance en France, et souhaite bientôt adresser le marché européen. En 6 ans d'existence, nous sommes parvenus à : 💻 Nous positionner sur le marché comme un éditeur de solution de comptabilité et de gestion financière innovant 💰 Lever un total de 400 millions d'euros, auprès d'investisseurs de renom, dont Sequoïa, le fonds phare de la Silicon Valley, connu pour avoir soutenu Google, Facebook, Airbnb, Stripe, Paypal et bien d'autres à leur début 👨‍👩‍👧‍👦 Passer de 7 cofondateurs à une équipe de 1200 collaborateurs, avec une note moyenne de 4,9/5 sur Glassdoor et 94% des évaluateurs Glassdoor qui recommanderaient PL à leurs proches! 🌍 Construire une équipe internationale composée de collaborateurs issus de 25 pays différents, avec une culture du télétravail très flexible 🤝 Gagner la confiance de milliers d'utilisateurs et obtenir d'excellents retours 🚀 Déjà plus de 1 500,000 TPE/PME et plus de 7000 cabinets d’expertise-comptable utilisent Pennylane en France ! Role context Pennylane currently serves around 50,000 business accounts through a BaaS model and distributes short-term financing to a subset of those customers through specialised financing partners. As Financial Services becomes a larger part of Pennylane's strategy, we are applying for Établissement de paiement and Société de financement licences. Our ambition is to start onboarding new customers under our own licensed entity by early 2027 and to scale our own financing activity. We will outsource part of the technology stack—including the origination platform, disbursement and repayment orchestration, and the collections engine. Your focus will be on applying the credit policy, running controls and turning that policy into day-to-day operations, in close collaboration with our Product and Business teams. As Credit Operations Lead , you will build and launch the first-line credit operations function for Pennylane’s own-book financing activity. Reporting to the Managing Director, you will translate Risk’s credit policy into executable decisions, controlled workflows and auditable outcomes. You will initially remain hands-on across origination, manual reviews, exception handling and portfolio monitoring. As volumes grow, you will scale the operating model, tooling and team in close collaboration with Risk, Product and our financing partner. This is a high-autonomy, greenfield role at the heart of Pennylane’s future licensed operations.

Responsibilities

Own the end-to-end execution of credit origination, including manual reviews, decisions within the delegated first-line mandate, exception handling and escalation to Risk. Ensure that outcomes meet agreed SLAs and are supported by a complete audit trail. Build the credit operating model, including procedures, decision trees, delegated authorities, first-line controls, operational KPIs and escalation paths. Own first-line operational monitoring of the active book, including repayment incidents, early-warning signals and the follow-up actions required by the credit policy. Build the operational relationship with the financing partner, with clear responsibilities, service levels and escalation processes for servicing, disbursement and collection incidents. Provide Risk with structured feedback on policy effectiveness, operational impact and emerging portfolio signals. Risk remains accountable for risk appetite, policy approval and independent oversight. Partner with Product, Tech, Risk and Data to design origination workflows, analyst tools and scoring processes, translate operational needs into product requirements, and determine what to automate or retain for human review. Remain hands-on during the launch phase, then recruit and lead the first credit analysts as volumes grow, establishing clear quality standards and a culture of rigour, accountability and customer clarity. First 6–12 months Before the first own-book exposure, deliver an approved end-to-end operating model covering procedures, decision trees, delegated authorities, evidence requirements and escalation paths to Risk. Ensure that the origination workflow is operationally ready for launch by testing the main decision paths and failure scenarios with Product and Tech. Establish the initial management framework, including SLAs, quality controls, operational KPIs, portfolio-monitoring indicators and reporting to the second-line Risk function. Ensure that every credit decision can be reconstructed from the underlying data, evidence, applicable policy and recorded approvals. Define the initial capacity model, team coverage and hiring plan based on expected volumes, handling times and observed performance. By go-live, have trained operational coverage, named escalation owners and documented procedures for manual reviews, exceptions and partner incidents. What we’re looking for Significant experience in credit or underwriting operations within a regulated financial-service