Chief SME Credit Risk & Strategy Leader

MERJE; Greater London; Sur place; GBP 120 000 - 170 000; Plein temps

Résumé du poste

MERJE is seeking a senior Head of Credit Risk to lead the strategy, policies and portfolio management across the customer lifecycle in a fintech environment.

You will own credit risk appetite, develop underwriting frameworks and collaborate with Product, Data and Technology to enhance decisioning speed and accuracy. The role requires SME lending expertise, hands-on leadership and strong communication skills.

Qualifications

• Extensive experience in credit risk management within SME lending.
• Strong understanding of credit risk principles, methodologies and regulatory requirements.
• Proven track record of developing and implementing credit risk strategies in fast-paced environments.
• Experience in managing and leading a team of credit risk professionals.
• Excellent communication and presentation skills with ability to convey complex concepts to diverse audiences.
• Comfortable working directly with data and dashboarding/BI tools such as Power BI or Looker.
• Knowledge of credit risk modelling techniques and statistical analysis tools.

Responsabilités

• Develop and evolve credit risk strategy, policies and underwriting framework.
• Define credit risk appetite, lending criteria, portfolio limits and key risk indicators.
• Balance credit performance with growth, optimising risk-adjusted returns.
• Assess new products, customer segments and opportunities to responsibly expand credit appetite.
• Monitor performance across cohorts, customer segments, products and acquisition channels.
• Identify emerging risks, trends and opportunities, translating insights into action.
• Maintain effective portfolio monitoring, early-warning indicators and risk reporting.
• Continuously improve underwriting, credit models, scorecards and decisioning methodologies.
• Use internal and external data to improve credit selection and portfolio performance.
• Partner with Product, Data and Technology to improve the speed, accuracy and automation of credit decisions.

Connaissances

Credit risk management

SME lending

Regulatory compliance

Credit risk strategy development

Team leadership

Data-driven decision making

Communication and presentation

Analytical problem-solving

Outils

Power BI

Looker

Description du poste

MERJE is seeking a senior Head of Credit Risk to lead the strategy, policies and portfolio management across the customer lifecycle in a fintech environment.

You will own credit risk appetite, develop underwriting frameworks and collaborate with Product, Data and Technology to enhance decisioning speed and accuracy. The role requires SME lending expertise, hands-on leadership and strong communication skills.