Lead Credit Ops

Pennylane SAS · All France (remote)

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

---

// similar opportunities

You might also like

Lead Fraud & AML Ops

Pennylane SAS

Parisfull-time

Arbeitnow

Vous cherchez un environnement professionnel stimulant basé sur l'autonomie et la confiance ? Pennylane vous offre l'opportunité de grandir au sein d'une entrep...

Posted 11 days ago

Apply now →

Head Of Direct, Flexipay & Credit Card

Fundingcircle

Londonfull-time

Arbeitnow

We’re on a mission to back the UK’s small businesses like no one else 🚀 Small businesses are the backbone of the economy, and we’re here to help them win. We’v...

Posted 14 days ago

Apply now →

Head Of Legal

Lemlist

Parisfull-time

Arbeitnow

About us 👇🏼 lemlist is the outbound platform for sales teams: find leads, run multichannel campaigns (email, LinkedIn, calls), personalize with AI and book me...

Posted 1 day ago

Apply now →

Customer Care Team Lead

Lucis

Parisfull-time

Arbeitnow

Making preventive health the default for every human in Europe The mission At Lucis , we believe healthcare should be preventive, not reactive. We’re building t...

Posted 17 days ago

Apply now →

Lead Employment Counsel

Camunda

Remotefull-time

Arbeitnow

Camunda is the enterprise platform for agentic orchestration , enabling organizations to coordinate AI agents, people, and systems across complex, end-to-end bu...

Posted 26 days ago

Apply now →

Senior AR Analyst, Credit Control

Convene Hospitality Group

London, England, United Kingdomfull-time

New

Arbeitnow

Convene Hospitality Group (CHG) operates a global portfolio of lifestyle brands focused on creating places and experiences that bring people together. The compa...

Posted 10 hours ago

Apply now →