Credit Risk Manager

Lendable; London; On-site; GBP 60,000 - 100,000; Full time

Job summary

A leading company in consumer finance is seeking a Credit Risk Manager who is confident with data and eager to drive meaningful change in their credit strategies. This mid-senior level role involves optimizing credit decision-making, monitoring economic conditions, and collaborating with various teams to enhance portfolio performance.

Qualifications

• Daily coding experience, ideally with Python and SQL.
• Proven experience in credit risk strategy within consumer lending.
• Experience leading and developing junior analysts.

Responsibilities

• Lead a team of analysts to optimize credit decisioning.
• Define credit strategies aligning with portfolio goals.
• Collaborate with cross-functional teams to implement strategies.

Skills

Python

SQL

Credit Risk Strategy

Data Analysis

Job description

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We’re looking for an analytically-minded Credit Risk Manager to lead a team of analysts, to help drive meaningful change in one of our consumer finance products in the UK or USA markets. This role is ideal for someone who is confident with data, comfortable coding, and eager to solve complex problems.

You'll be part of a collaborative, ambitious organisation where ideas are encouraged and bureaucracy is minimal. Your work will have a tangible impact, driving strategic decisions and enhancing our portfolio performance.

Your team's objectives

Our credit teams are building high performing portfolios, with bold growth targets and a commitment to responsible lending.

Within the credit function, our core responsibilities include:

• Optimising credit decisioning: who to lend to, how much to lend, and at what interest rate.
• Assessing and adapting to external economic conditions.
• Developing and owning models that forecast returns and guide investor reporting.

How you'll impact those objectives

• Define and refine credit strategies that align with our evolving portfolio goals.
• Discover insights from data using tools like Python and SQL to address key business questions.
• Collaborate cross-functionally with product, engineering, data, and operations teams to implement strategies.
• Monitor and assess the success of implemented strategies and continuously identify areas for improvement.

What you'll need to succeed

Daily coding experience, with proficiency in Python and SQL ideally

• Proven experience in credit risk strategy, ideally within consumer lending.
• A strategic mindset and the ability to translate complex data into clear, actionable decisions.
• A focus on delivering results that align with both commercial and customer needs.
• A collaborative, open approach and a willingness to challenge your own assumptions
• Experience leading and developing junior analysts

Interview Process

We’re not corporate, so we try our best to get things moving as quickly as possible.

• An initial phone conversation with a member of our team.
• Onsite interviews, including a practical case study and team conversations.
• A final discussion with a member of our executive leadership (C-suite).

Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Other

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