Credit Risk Manager

Harnham; Greater London; On-site; GBP 72,000 - 88,000; Full time

Benefits offered by this job

Equity

Job summary

Harnham are partnering with an innovative FinTech lender to transform consumer lending through affordability-focused risk insights. This leadership role owns the credit risk and affordability strategy as the business scales.

You will build capabilities, develop credit strategies and models, work with affordability data and Open Banking, and lead a small team while collaborating with senior stakeholders and product teams to shape the product direction.

Qualifications

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

Responsibilities

• Lead the credit risk and affordability function.
• Develop and enhance credit strategies, policies and decisioning frameworks.
• Build and integrate credit risk models using a range of data sources.
• Work with affordability, bureau and Open Banking data to improve risk assessment.
• Manage and develop a small team while collaborating with senior stakeholders and product teams.

Skills

Credit risk management

Credit strategy

Fraud risk frameworks

Open Banking data

SQL

Data analysis

Leadership

Tools

SQL

Job description

Harnham are working with an innovative FinTech lender that is transforming the way consumer lending works through a more personalised and affordability-focused approach. This is an exciting opportunity for an experienced Credit Risk professional to take ownership of a critical function within a growing business.

THE COMPANY

This innovative FinTech lender is rethinking the traditional consumer lending model by placing affordability and financial wellbeing at the centre of its offering. Rather than relying solely on conventional credit scoring methods, the business leverages income, affordability and alternative data sources to create a more personalised lending experience for customers. Having established a strong foundation and achieved positive growth milestones, the company is now entering an exciting scale-up phase, supported by ambitious plans and significant investment opportunities.

THE ROLE

This is a leadership position responsible for shaping and developing the organisation's credit risk and affordability strategy. You will play a key role in building capabilities, influencing product direction, and ensuring robust credit decisioning as the business scales.

Specifically, you can expect to be involved in:

• Leading the credit risk and affordability function.
• Developing and enhancing credit strategies, policies and decisioning frameworks.
• Building and integrating credit risk models using a range of data sources.
• Working with affordability, bureau and Open Banking data to improve risk assessment.
• Managing and developing a small team while collaborating closely with senior stakeholders and product teams.

SKILLS AND EXPERIENCE

The successful Credit Risk Manager will have the following skills and experience:

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

BENEFITS

The successful Credit Risk Manager will receive a salary up to £80,000 as well as equity.

*Please note, this role does not offer visa sponsorship*