Credit Risk Manager

LemFi; United Kingdom; On-site; GBP 65,000 - 85,000; Full time

Job summary

A fintech startup in the United Kingdom is seeking a Credit Risk Manager to design and optimize credit policies while analyzing portfolio performance. The ideal candidate will have proven experience in credit risk strategy and coding skills in SQL. This hands-on role involves collaborating with various teams to enhance customer outcomes and drive profitability.

Qualifications

• Excited to build and grow a team as the business scales.
• Proven experience in credit risk strategy or decisioning.
• Strong coding skills in SQL; Python is desirable.

Responsibilities

• Own and refine credit decisioning strategies.
• Analyse portfolio performance and monitor loss rates.
• Build and tweak credit rules in the decision engine.
• Collaborate with various teams to improve portfolio outcomes.
• Support presentations with data-backed insights.

Skills

Credit risk strategy

SQL coding

Data analysis

Communication skills

Problem-solving mindset

Job description

About the Company

LemFi (YC S21, Series B) is revolutionizing cross-border financial services for immigrants through its multi-currency platform, processing over $1 billion in monthly transactions. We provide instant remittances, foreign exchange services, and multi-currency accounts, all in one seamless experience.

With 300+ employees across 15+ countries, our platform supports twelve currencies and integrates directly with local banks and mobile money providers, ensuring fast, low-cost transactions. But we’re not stopping at payments. LemFi is building a comprehensive financial ecosystem empowering immigrants with the financial tools they need to thrive—wherever they go.

Our vision: To build the first full-stack financial services hub for the world’s immigrant population.

Who you are

You are a candidate who would thrive in a fintech startup environment like ours, where we readily accept individuals with a humble, yet uplifting attitude alongside a diligent sense of work ethic. The teams here at LemFi are passionate about their work and expertise, but also lend hands-on cross-functional responsibilities to ensure the success of the company and the satisfaction of our clientele.

Job Summary

At LemFi we are building a credit product that is fair, transparent, and accessible. We’re looking for a Credit Risk Manager to join our Credit Risk team. This is a hands-on role where you’ll design and optimise credit policies, analyse portfolio performance, and make real-time strategy changes that directly impact growth, customer outcomes, and profitability.

Responsibilities

• Own and refine credit decisioning strategies, deciding who to lend to, how much, and on what terms.
• Analyse portfolio performance and monitor loss rates, delinquency trends, and profitability, spotting early trends to ensure risk and reward stay aligned.
• Work closely with Decision Science to ensure predictive models and scorecards are used effectively in strategy design.
• Build and tweak credit rules directly in the decision engine, and where required, partner with data engineers and tech engineers to deploy and test changes.
• Collaborate with product, finance, and operations to deliver strategy changes and improve portfolio outcomes.
• Support presentations to funding partners and internal or external stakeholders with clear, data-backed insights.
• Use the tools required to run analysis, and test strategy changes.
• Monitor performance and continuously identify opportunities to improve credit strategy.

Requirements

• You are excited by the opportunity to build and grow a team as the business scales.
• Proven experience in credit risk strategy or decisioning, ideally in unsecured lending or credit cards.
• Strong coding skills in SQL (Python desirable) with comfort handling large datasets.
• Understanding of loss rates, delinquency curves, and portfolio economics.
• Ability to translate data into actionable changes in credit policy.
• Commercial awareness to balance growth, risk, and customer outcomes.
• Experience working with predictive models and scorecards, and partnering with data science or decision science teams.
• Strong communication skills, able to influence stakeholders and explain complex analysis clearly.
• A proactive, problem-solving mindset with the ability to thrive in a fast-paced environment.