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  • fulltime
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  • About Sidekick

    Sidekick is on a mission to democratise the wealth-building products and opportunities currently only accessible for high net worth individuals. We are building a next-generation investment platform, designed for the aspirational retail investor who wants to build wealth.

    Our portfolio line of credit product aims to provide our investment customers with access to liquidity using their investment portfolios held on the Sidekick platform as collateral. We are committed to enabling long-term investing without the need for forced selling, and the credit product is a key enabler of this.

    We are based in London and are committed to supporting flexible working arrangements. We encourage and facilitate regular in-person get togethers to collaborate and to get to know one another. Our aim is to create an open and collaborative working environment that has the flexibility needed by our people to maintain a balance in their individual lifestyles.


    The Role

    We are seeking a highly skilled and experienced individual to join our team as Head of Credit. As the Head of Credit at Sidekick, you will be the driving force behind the development and success of our portfolio line of credit product. In this role, you will have the opportunity to build the credit function from the ground up, setting up the foundations and scaling the team as we grow.

    You will work closely with the executive team and other internal teams, including Compliance, Growth, Investment, and Engineering, to develop and execute strategies that will drive commercial success and deliver tangible customer benefit.


    • Designing, setting up and managing the creditworthiness and affordability assessment process, including determining the size of the credit line based on the customer's creditworthiness and the overall size and composition of their investment portfolio
    • Implementing policies and procedures to monitor and manage ongoing credit risk, including monitoring the value of the customer's investment assets to assess collateral cover and implementing strategies to mitigate risk
    • Working closely with external and internal stakeholders to build a decision engine which meets the firm's strategic requirements and mitigates against risks
    • Staying up-to-date on industry trends and regulations to ensure that the product remains competitive and compliant
    • Owning the commercial performance of the loan portfolios, including pricing
    • Using data and MI to influence new business policy decisions
    • Building and maintaining relationships with key stakeholders, including regulators, internal teams and suppliers/vendors
    • Setting up the foundation of the operations to onboard customers, manage fraud and collections


    We are looking for a seasoned credit specialist with a track record of success in building and scaling consumer credit products and operations. To be successful in this role, you should have the following:

    • A minimum of 8-10 years of experience in credit analysis or underwriting, preferably in the UK bank or fintech lender space in both the unsecured and secured consumer finance markets
    • A proven track record of building, leading and scaling consumer credit products and operations (ideally from scratch), with a strong understanding of the UK regulatory environment
    • An innovative and forward-thinking approach to credit risk management, with the ability to develop and implement cutting-edge strategies that drive commercial success and customer benefit
    • Experience establishing MI reporting around the ongoing health and performance of loans
    • Strong hands-on analytical capabilities, including experience with SQL/Python and the ability to work with AWS environments
    • Excellent communication and interpersonal skills, with the ability to build and maintain relationships with key stakeholders
    • A bachelor's degree in a relevant field such as finance, economics, operational research or maths
    • The ability to thrive in a fast-paced, dynamic, and hybrid work environment
    • A strong entrepreneurial spirit, with the ability to take ownership of projects and drive them to completion
    • A passion for continuous learning and staying up-to-date on industry trends and best practices


    What we offer

    • A unique startup experience, building an investment and consumer lending company from the ground up
    • The opportunity to be part of launching a product that can help build wealth for hundreds of thousands of people in the UK and eventually beyond
    • Work with a passionate and driven team from a diverse range of backgrounds
    • Competitive startup compensation package (including an equity component)
    • Currently a hybrid remote/office set up. London location preferred, but opportunity to be flexible
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