Credit Risk Manager

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

CREDIT RISK MANAGER

£74,000- 120,000

LONDON

This is an opportunity to join one of the UK's most successful and fast-growing fintech businesses as they continue to scale their credit card portfolio. You'll play a key role in shaping credit strategy, using data-driven insights to influence business decisions and drive portfolio performance within a highly analytical and collaborative environment.

THE COMPANY

This fast-growing fintech business is transforming consumer lending through technology, data science, and machine learning. Operating at significant scale and backed by leading investors, they have built a strong reputation for delivering innovative financial products and exceptional customer experiences.

With continued growth across multiple product lines, they are investing heavily in their credit function and are looking for talented analytical professionals to help optimise lending decisions and influence strategic direction.

THE ROLE

• 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

YOUR SKILLS AND EXPERIENCE

• 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

SALARY AND BENEFITS

• Competitive salary based on experience
• Performance-related bonus
• Equity participation scheme
• Private health insurance
• Hybrid working model with flexibility to work from home
• Complimentary lunches in the office
• Pension scheme
• Opportunity to join a high-growth fintech business and accelerate your career progression