Credit Risk Architect (Hybrid) - Fintech Growth & Equity

Harnham - Data and Analytics Recruitment; Greater London; Hybrid; GBP 74,000 - 120,000; Full time

Benefits offered by this job

Hybrid working

Complimentary lunches in the office

Pension scheme

Equity participation scheme

Private health insurance

Performance-related bonus

Job summary

Harnham - Data and Analytics Recruitment in London seeks a Credit Risk Manager to shape credit strategy for a growing fintech credit-card portfolio. You will drive data-driven decisions using Python/SQL and work with cross-functional teams to optimise lending outcomes.

The role emphasizes risk management, commercial impact, and rapid delivery in a high-growth environment with a focus on portfolio performance and external macro factors.

Qualifications

• Strong commercial experience within credit risk, lending, or consumer finance.
• Proven experience developing and implementing credit card strategies.
• Strong coding capability with Python and SQL used in a commercial environment.
• Experience analysing large datasets and translating findings into business recommendations.
• Knowledge of portfolio management, underwriting, pricing, or credit risk optimisation.
• Strong problem-solving skills with the ability to challenge assumptions and identify opportunities for improvement.
• Experience working within a fast-paced analytical environment is beneficial.

Responsibilities

• Develop and enhance credit strategies across a growing credit card portfolio.
• Use Python and SQL to analyse customer behaviour, portfolio performance, and lending outcomes.
• Generate data-driven insights to support acquisition, underwriting, pricing, and credit limit decisions.
• Collaborate with data science, product, and engineering teams to implement new strategies and models.
• Monitor portfolio performance and identify opportunities to improve risk and commercial outcomes.
• Assess the impact of external economic factors on credit performance and lending strategy.
• Take ownership of key initiatives and make a measurable impact on business growth from day one.

Skills

Credit risk

Credit card strategies

Python

SQL

Data analysis

Portfolio management

Underwriting

Pricing

Credit risk optimisation

Problem solving

Analytical mindset

Tools

Python

SQL

Job description

Harnham - Data and Analytics Recruitment in London seeks a Credit Risk Manager to shape credit strategy for a growing fintech credit-card portfolio. You will drive data-driven decisions using Python/SQL and work with cross-functional teams to optimise lending outcomes.

The role emphasizes risk management, commercial impact, and rapid delivery in a high-growth environment with a focus on portfolio performance and external macro factors.