Senior Credit Risk Manager
London (Hybrid, 3 days in office)
Salary: £80,000–£100,000
A rapidly growing lend tech business is seeking a Senior Credit Risk Manager to shape and scale its credit and affordability strategy. This is a high-impact role for someone who thrives on data-driven decision making and wants to make a tangible difference in a fast-moving, technology-driven lending environment.
Role Overview
You’ll work within a small, high-performing risk team to optimise credit strategy, balancing business growth with strong credit outcomes. Using data, analytics, and automation, you will deliver scalable solutions across a diverse consumer lending portfolio, including near-prime and higher-risk customers.
Key Responsibilities
Develop and implement credit and affordability strategies across the consumer lending portfolio.
Build scalable processes balancing customer outcomes, operational efficiency, and commercial goals.
Use data and analytics to identify trends, inform strategy, and improve processes.
Monitor credit performance and reduce arrears and risk exposure.
Ensure compliance with regulatory, legal, and internal standards.
Collaborate with product, operations, finance, and other teams to integrate credit decisioning into the broader business.
Provide updates to senior leadership and contribute to long-term planning.
Requirements
5+ years’ experience in consumer lending, preferably near-prime or higher-risk segments.
Strong data-driven approach; experience with SQL, Python, or similar tools and credit modelling.
Experience with affordability assessments and lending to customers with limited or thin credit histories.
Structured thinker who navigates ambiguity and makes methodical, informed decisions.
Collaborative, proactive, and comfortable in fast-paced environments.
Strong problem-solving skills, turning insights into actionable strategies.
Make an impact in a technology-driven lending business that is reimagining how people access consumer credit.
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