Laura Watson

Head of Credit Operations

Banking OperationsAdvisorHR AnalystAdministrative SpecialistFinanceHRStartup Founder

FinTech operator with a bias for action. I’ve spent the last several years building and scaling lending operations across credit, underwriting, fraud, payments and compliance. I enjoy translating commercial ambition into practical, scalable execution — particularly in regulated, fast-moving environments. I care about building strong teams, smart processes and control frameworks that enable growth rather than slow it down.

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Work Background

Head of Credit Operations

YouLendHead of Credit Operations

May. 2024Greater London, England, United KingdomLead UK Credit Operations, including Underwriting, Funding, Payments, and Credit Decisioning. Oversee the full credit lifecycle—from application to disbursement. Drive automation and process optimisation in collaboration with Tech, Risk, and Compliance. Enhance operational KPIs through strategic planning and continuous improvement. Mentor team leads and promote a culture of ownership, performance, and learning.

Head Of Operations

YouLendHead Of Operations

Aug. 2018 - May. 2024London, United KingdomSteered operations during rapid company growth and product expansion. Oversaw transaction monitoring, internal compliance, payroll, and financial reconciliations. Served as MLRO, leading AML compliance and internal risk controls. Led cross-functional coordination between finance, product, and compliance teams.

Operations Control & Admin Supervisor

Liquid Finance Partners LtdOperations Control & Admin Supervisor

Mar. 2015 - Aug. 2018EpsomManaged daily reconciliations and internal system audits. Led vendor management, facilities oversight, and financial control processes. Acted as project lead and UAT coordinator for internal platform enhancements.

Relationship Assistant

Liquid Finance Partners LtdRelationship Assistant

Mar. 2015 - Oct. 2016Epsom

Project Coordinator

Berkeley Group PlcProject Coordinator

Oct. 2014 - Feb. 2015Cobham, Surrey

Customer Service Team Manager

Friends LifeCustomer Service Team Manager

Dec. 2013 - Oct. 2014Dorking, Surrey

Client Service Executive

Friends Life UKClient Service Executive

Oct. 2012 - Dec. 2013Dorking, Surrey

Pension Administrator

Friends Life UKPension Administrator

Oct. 2010 - Oct. 2012Dorking, Surrey

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