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Credit Risk Manager
2 weeks ago
Senior Credit Risk Manager – Lend Tech
Location: 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.
