Credit Risk & Affordability Lead – FinTech (Equity)

Harnham; Greater London; On-site; GBP 68,000 - 92,000; Full time

Benefits offered by this job

Equity

Job summary

Harnham is seeking an experienced Credit Risk Manager to lead the credit risk and affordability function within a growth-focused FinTech lender. You will shape strategies, policies and decisioning frameworks while building credit risk models using diverse data sources.

You will work with affordability, bureau and Open Banking data to enhance risk assessment, manage a small team, and partner with senior stakeholders and product teams in a scale-up environment.

Qualifications

• Proven experience in consumer lending and credit risk.
• Strong background in credit strategy, underwriting and risk decisioning.
• Experience working with affordability data and Open Banking data to improve risk assessment.
• Understanding of fraud risk and fraud prevention frameworks.
• Ability to work with data and coding environments, including SQL.
• Experience in FinTech, startup or scale-up environments.

Responsibilities

• Lead the credit risk and affordability function.
• Develop and implement credit strategies, policies and decisioning frameworks.
• Build and integrate credit risk models using diverse data sources.
• Collaborate with affordability, bureau and Open Banking data to enhance risk assessment.
• Manage a small team and partner with senior stakeholders and product teams.

Skills

Credit risk

Affordability data

SQL

Open Banking

Fraud prevention

Leadership

Team management

Job description

Harnham is seeking an experienced Credit Risk Manager to lead the credit risk and affordability function within a growth-focused FinTech lender. You will shape strategies, policies and decisioning frameworks while building credit risk models using diverse data sources.

You will work with affordability, bureau and Open Banking data to enhance risk assessment, manage a small team, and partner with senior stakeholders and product teams in a scale-up environment.