Gaia's mission begins with the world’s first IVF insurance product that predicts fertility outcomes and insures against the risk of failure, a major moment for modernising the family planning process. Underpinning our product is a proprietary predictive technology that adds a layer of certainty to an expensive, complicated, desperate, opaque but resolutely hopeful space.

We have raised $30million in funding to date, our A round at the end of 2021 was led by Atomico (read why here). We are FCA regulated, and trade on the Lloyd's of London market as a cover holder of Beazley.

The role

As our first Head of Credit you'll be key in establishing what credit and risk means at Gaia. Your mission is to lead and build our consumer credit product and operations from scratch, initially setting up foundations and scaling the function and team as we grow, for a very special product.

  • IVF is full of uncertainty, it might work in 1 or 6 rounds, after 5 or 24 months, and cost £5,000 or £50,000
  • We’re aiming to take the financial uncertainty out of the equation and design simple financial plans for every scenario. Our credit model needs to power that
  • At the time of repayment, our members are at a different financial stage of their life, IVF is a very emotional purchase which is an opportunity and a risk to model.
  • It is just the start of a suite of products to financially plan for a family


  • Define the consumer credit value proposition: who do we lend money to, how much, what interest rate should we charge
  • Build our first credit model relying on internal and external data, set up underlying systems and define roadmap
  • Set up the foundation of the operations to quote, onboard, manage fraud and collection
  • Work hand in hand with operations, finance and compliance to deliver a profitable product to market

About you

  • Ability to think holistically about the business and product
  • You have experience in both credit modelling and commercial and strategic management
  • Entrepreneurial, can be hands-on with the ability to define a roadmap to scale
  • Ability to work cross-functionally 



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