Credit Risk Manager

Harnham; United Kingdom; Sur place; GBP 50 000 - 100 000; Plein temps

Résumé du poste

Harnham is partnering with a mission-driven fintech lender to lead the credit function and shape portfolio performance.

As Credit Risk Manager you will develop portfolio strategies, monitor risk, influence lending policies, and collaborate with data, product and technology teams to implement analytics and decisioning solutions.

You will also drive collections and recovery improvements across the customer lifecycle, with a strong emphasis on quantitative analysis and stakeholder communication.

Qualifications

• Proven experience in credit risk strategy, portfolio management or lending policy within financial services or fintech.
• Strong quantitative background with a degree in a STEM-related subject such as Mathematics, Statistics, Economics or a similar field.
• Proficiency in Python for analytics, modelling and data-driven decision making.
• Experience working with credit risk analytics, portfolio performance monitoring and forecasting techniques.
• Ability to communicate technical findings clearly to both technical and non-technical stakeholders.

Responsabilités

• Developing and refining portfolio management and credit risk strategies.
• Monitoring portfolio performance, identifying trends and recommending strategic actions.
• Supporting the development and enhancement of lending policies and risk frameworks.
• Partnering with data, product and technology teams to implement analytical and decisioning solutions.
• Driving collections and recovery strategy improvements across the customer lifecycle.

Connaissances

Credit risk strategy

Quantitative background

Python

Credit risk analytics

Stakeholder communication

Formation

STEM degree ( Mathematics/Statistics/Economics)

Description du poste

Harnham are working with a mission-driven fintech lender that is using innovative credit solutions to support underserved small businesses. This is an opportunity to join a growing organisation where you can play a key role in shaping credit strategy and portfolio performance.

THE COMPANY

Harnham are partnered with a purpose-led fintech lender focused on driving financial inclusion through responsible lending. The business provides funding solutions to underserved small businesses, helping entrepreneurs access the capital they need to establish and grow sustainable operations. Operating in a high-impact, data-driven environment, the organisation combines technology, analytics and innovative credit strategies to deliver meaningful outcomes while supporting economic growth in emerging markets.

THE ROLE

This Credit Risk Manager position sits at the heart of the credit function, leading portfolio strategy, risk performance analysis and lending optimisation initiatives. You will work closely with analytics, engineering, product and business stakeholders to improve portfolio outcomes across the customer lifecycle.

Specifically, you can expect to be involved in:

• Developing and refining portfolio management and credit risk strategies.
• Monitoring portfolio performance, identifying trends and recommending strategic actions.
• Supporting the development and enhancement of lending policies and risk frameworks.
• Partnering with data, product and technology teams to implement analytical and decisioning solutions.
• Driving collections and recovery strategy improvements across the customer lifecycle.

SKILLS AND EXPERIENCE

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

• Proven experience in credit risk strategy, portfolio management or lending policy within financial services or fintech.
• Strong quantitative background with a degree in a STEM-related subject such as Mathematics, Statistics, Economics or a similar field.
• Proficiency in Python for analytics, modelling and data-driven decision making.
• Experience working with credit risk analytics, portfolio performance monitoring and forecasting techniques.
• Ability to communicate technical findings clearly to both technical and non-technical stakeholders.

BENEFITS

The successful Credit Risk Manager will receive a salary between £50,000 - £100,000.