• Hands-on experience as a credit analyst or underwriter in commercial/corporate banking - you have personally underwritten commercial credit, not just managed people who did.
• Deep working knowledge of financial spreading and modelling, sensitivity/scenario analysis, and credit risk assessment across the commercial lending lifecycle.
• Fluency in the mechanics of commercial credit: cash flow analysis, collateral analysis, covenant setting and monitoring, early-warning signals, and portfolio-level risk.
• A genuine passion for how AI can change banking - you believe seasoned banker intelligence can be encoded in software, and you want to be the one who does it.
• The rigour to define what "good" looks like and the honesty to hold a system to it, even when it's your own product.
• Excellent communication - able to hold your own with a CRO in the morning and an ML engineer in the afternoon.

Nice to have

• Experience with credit, ratings & capital models
• Prior work in a product, data, or transformation function inside a bank - or at a fintech.
• Familiarity with how AI/LLM systems behave, and an intuition for where they need guardrails.
• Experience across more than one asset class or lending segment (SME, mid-market, corporate, CRE, specialist/mortgage).
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