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Director of Credit Risk

Harnham
London
10 months ago
Applications closed

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DIRECTOR OF CREDIT RISK MODELLING & ANALYTICS

UP TO £185,000

LONDON

This is an exciting opportunity to come in as the Director of Credit Risk Modelling & Analytics, where you will be responsible for leading the development of advanced credit models and analytics frameworks that support sustainable growth within the business.

THE COMPANY

This company is a rapidly growing FinTech focusing on providing credit to those who are underserved by the more traditional financial institutions. The business currently has 120,000 customers and are continuing to onboard new customers regularly.

THE ROLE

You will be doing the following daily:

  • Establish and lead a dynamic, high-performing team by mentoring and empowering customers to enhance their skills and advance their professional growth.
  • Develop and execute credit frameworks and responsible lending strategies that align with business growth goals and regulatory standards.
  • Oversee the creation, implementation, and upkeep of sophisticated credit risk models, integrating traditional methodologies with machine learning to optimise underwriting, pricing, and portfolio management.
  • Manage the analysis of portfolio performance, identify risks and opportunities, and deliver actionable insights to refine credit policies and improve customer experiences.
  • Drive innovation by staying ahead of emerging trends in credit risk assessments, leveraging new data sources, and identifying opportunities for growth while mitigating potential risks.
  • Design and sustain governance frameworks that ensure full adherence to regulatory requirements and internal risk management protocols.
  • Collaborate closely with pricing, product, operations, marketing, and engineering teams to craft innovative, data-driven solutions that achieve growth while maintaining robust risk management.
  • Communicate strategies, insights, and recommendations effectively to the Executive Committee, Board members, Credit Unions, and other stakeholders, fostering alignment and support for key initiatives.

YOUR SKILLS AND EXPERIENCE

  • 10 + years’ experience in credit risk modelling, decision science, analytics, risk, and forecasting.
  • Strong knowledge of SQL.
  • Experience with Python or R is desirable.
  • Traditional consumer credit data experience needed (Experience, Equifax, or TransUnion).
  • Excellent written and verbal communication skills.

THE BENEFITS

  • Up to £185,000.
  • Stock options.
  • Private medical insurance.
  • Hybrid working pattern.
  • Pension.

HOW TO APPLY

Please register your interest by sending your CV to Gaby Adamis via the Apply link on this page.

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