Debt Structuring Lead

Kriya's suite of financial tools keeps business flowing brilliantly by providing frictionless access to payments, credit and working capital through seamless integrations and instant credit decisions.

Founded in 2011, Kriya has helped businesses collect over £28 billion in B2B payments, and advanced over £3.7 billion worth of credit through working capital and business loans. Kriya has a wide-reaching network of strategic partners including Barclays Bank, Stripe, Halfords and the British Business Bank, and is backed by prestigious equity investors including Northzone, Barclays Bank and Mouro Capital (owned by Santander Bank).

About the role

Join our Capital Markets & Risk team as the senior point-person for structuring and underwriting complex debt facilities (typically £1 – 100m turnover clients). You will design the frameworks that assess prospective borrowers, steer portfolio-level risk strategy, and collaborate with Commercial, Product, Data and Finance squads to unlock new segments, jurisdictions and channels while keeping returns firmly within risk appetite.

What You’ll Do

• Architect risk & credit frameworks – set the end-to-end processes for evaluating new merchants/borrowers and other key risk initiatives.
  
  
• Underwrite & structure transactions – lead deal origination, covenant design, security packages and pricing for bilateral, syndicated and bespoke facilities.
  
  
• Own a live portfolio – actively monitor performance, adjust structures, and balance risk metrics with commercial targets on volume and revenue.
  
  
• Drive expansion strategy – shape credit policy as the product suite scales into new customer types, geographies and sales channels.
  
  
• Provide insight & reporting – distil complex analytics into clear materials for leadership, funders and external stakeholders.
  
  
• Mentor & influence – guide junior team members and serve as the go-to contact for cross-functional risk questions as the business grows.

Requirements

• 5+ years in debt capital markets, structured finance or corporate banking with a track record of leading complex credit transactions.
  
  
• Demonstrated expertise in underwriting, covenant setting, monitoring and security structuring for mid-market businesses.
  
  
• Proven ability to build and manage diversified portfolios and optimise risk-adjusted returns.
  
  
• Advanced analytical skills: financial modelling, large-data interrogation and critical credit assessment.
  
  
• Influential communicator who can translate strategy and performance to senior leadership, investors and cross-functional teams.
  
  
• Self-starter recognised for methodical problem-solving, impeccable organisation and parallel work-stream management. Start-up mentality, happy to build-it-yourself and work fast under time pressure.

Benefits

Our company values are:

#MakeItHappen:

We're focused on getting the important stuff done first. We don't get bogged down in long emails and lots of meetings, we find solutions (they're out there!) and get it done!

#AlwaysBeLearning:

The only constant is change: we embrace change and learn. By executing fast and iterating we can learn and get to the best result. We ask and listen for feedback, and always provide it too.

#1Team1Dream

We always put the whole company first - when we succeed collectively, we all succeed individually. Everyone has a voice, we listen to each other's opinions.