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UK Credit & risk manager

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About Fairlo

We're a well respected Scandinavian fintech scale-up that's on a mission to outsmart the predatory credit market. Since 2018, we've been creating friendly and sustainable financial services from scratch. 

Our first service, Fairlo Everyday, is a seamless overdraft that has unshackled Swedes from unsustainable credit solutions. Since launch, our customers have replaced opaque and unpredictable loans such as credit cards and buy-now-pay-later options with Fairlo.


Some of the key features that have won Fairlo the respect of customers and peers alike are:

  • Low APRs available to everyone—no fees, no if's and no but's.
  • A direct connection to the customers current account that enables real-time withdrawals and deposits twenty-four seven.
  • Fairlo Everyday: the first service that solves temporary cash flow needs without the common uncertainty of other credits.
  • The lack of fine print. With Fairlo, what you see is always what you get.

The reception we've gotten in Sweden has been humbling. More than one in ten of our customers rate us on TrustPilot, with an average score of 4.9 out of 5. In addition, we're backed by one of the Nordics' most well-known incubators – Sting, Stockholm Innovation & Growth AB – as well as Swedish state-owned Saminvest and a multitude of experienced investors.

UK expansion

However, our mission has just started. Our next big step is to bring Fairlo to the UK. So if you're keen on improving the UK credit market, we believe you might be the person to take the lead on Credit management!

Read on and apply to join us in our global quest for fair financial services!


Job description

As our UK Credit & Risk Manager, you'll be responsible for credit management and risk mitigation in the UK. You'll join a UK strike force that will challenge the domestic and international markets with a sustainable lending model. Your main goal will be to make sure that we are as precise as possible regarding our risk analysis.

The setup of our UK Credit and risk offices is only the first step. In the long term, we're looking to you to make a persisting impact. With your help, we'll create an operation that reforms the UK credit market for good. 

Some of the benefits of working as Credit & Risk Manager at Fairlo are:

  • Strategic, tactical and operative mandate on the UK market.
  • An opportunity to positively influencing the UK credit market through competition. With your help, we'll prove that responsible lending is the way to go for lenders moving forward.
  • A competitive salary and benefits package.
  • The option to work from home or at any of our offices in London, Stockholm and Heraklion.
  • Be part of building an organisation that people associate with honesty, transparency, fairness and quality. 
  • An opportunity to grow Fairlo's UK Credit and risk department through your actions. If you're ambitious, Fairlo's a great place to be!
  • Teaming up with some of Europe's most outstanding credit and risk talents.
  • Working on your preferred high-end equipment.

Role details

Your tasks will include credit analysis, modelling, strategy, partnerships, and navigating and complying with local jurisdiction. You'll be a crucial part of the global team while working day-to-day in the UK market.

Your duties and responsibilities will be to:

  • Set up, document and continuously work to improve credit processes. You'll work closely with our Head of credit.
  • Provide analysis and recommendations from insights into customer profiling, customer behaviour and credit performance to build value-creating acquisition and credit management strategies.
  • Be involved in setting up and continuously work to improve customer onboarding and processes for money transfers.
  • Be responsible for AFC (Anti financial crime), including KYC. Set up, document and continuously improve processes for identifying and mitigating fraud, financial crime and money laundering issues. Be our MLRO (Money laundering reporting officer) for the UK branch.



First and foremost, we believe you share our passion for long-term positive impact.

We also think you're an ambitious person that is meticulous when it comes to details. You likely have a track record that shows you know how to both be offensive and defensive in your role in credit and risk. 

We believe you've got:

  • A Bachelor's degree, or higher, in a relevant field of study.
  • Five years of experience building, launching and improving credit risk models and strategies.
  • A holistic and balanced view on risk control and risk management. 
  • A clear track record of driving innovation and results in your previous roles.
  • Deep-founded respect for the people using our products and services and how we can improve their financial health through sound risk management

We believe you also have:

  • The regional expertise required to run the UK Credit & risk department.
  • Previous experience from working with AFC.
  • Previous experience working with the FCA.

The way we work

We're a rapidly growing, dedicated team that believes in mutual respect and high aspirations. Our overarching goal is to simplify the complicated and always approach solutions asking ourselves: is this truly fair? 

We know that making digital products takes a digital company. That's why we run a distributed organisation across Europe. If you join Fairlo, you get to choose to work from our upcoming London offices, home, or, when possible, anywhere in Europe (including our offices in Stockholm and Heraklion). 

We hope we've piqued your interest and are looking forward to your application!

Additional information

  • Remote status

    Flexible remote

Or, know someone who would be a perfect fit? Let them know!


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Perks & benefits

  • Flexible working hours

  • Offices near the city centre

  • Health & wellness subsidy

  • Remote work possible

The way we work


We believe that teams that create something extraordinary consist of people with different backgrounds, experiences, competencies and personalities.

Freedom based on business goals 

Based on Fairlo's overall goals, everyone is given full mandate within their area of responsibility and is expected to take responsibility for contributing to our greater goals.


We are open about sharing problems and any challenges we see, but always with a focus on presenting solutions on how to move forward when doing so.


We are curious and always keen to learn more and keep growing in our respective fields of expertise.

Already working at Fairlo?

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