Credit Risk Manager (Data Scientist)

La Fosse Associates; City Of London; Hybrid; GBP 80,000 - 100,000; Full time

Job summary

A rapidly growing lend tech business is seeking a Senior Credit Risk Manager to optimize credit strategies and improve processes. This hybrid role focuses on consumer lending, utilizing data analytics to drive decision making. Candidates should have over 5 years of experience in lending with a strong problem-solving approach. Competitive salary offered between £80,000–£100,000.

Qualifications

• 5+ years’ experience in consumer lending, preferably near-prime or higher-risk segments.
• Experience with affordability assessments and lending to customers with limited or thin credit histories.
• Structured thinker who navigates ambiguity and makes methodical, informed decisions.

Responsibilities

• Develop and implement credit and affordability strategies across the consumer lending portfolio.
• Monitor credit performance and reduce arrears and risk exposure.
• Collaborate with product, operations, finance, and other teams to integrate credit decisioning.

Skills

Data-driven decision making

Experience with SQL

Experience with Python

Strong problem-solving skills

Job description

Senior Credit Risk Manager
London (Hybrid, 3 days in office)
Salary: £80,000–£100,000

A rapidly growing lend tech business is seeking a Senior Credit Risk Manager to shape and scale its credit and affordability strategy. This is a high-impact role for someone who thrives on data-driven decision making and wants to make a tangible difference in a fast-moving, technology-driven lending environment.

Role Overview

You’ll work within a small, high-performing risk team to optimise credit strategy, balancing business growth with strong credit outcomes. Using data, analytics, and automation, you will deliver scalable solutions across a diverse consumer lending portfolio, including near-prime and higher-risk customers.

Key Responsibilities

• Develop and implement credit and affordability strategies across the consumer lending portfolio.
• Build scalable processes balancing customer outcomes, operational efficiency, and commercial goals.
• Use data and analytics to identify trends, inform strategy, and improve processes.
• Monitor credit performance and reduce arrears and risk exposure.
• Ensure compliance with regulatory, legal, and internal standards.
• Collaborate with product, operations, finance, and other teams to integrate credit decisioning into the broader business.
• Provide updates to senior leadership and contribute to long-term planning.

Requirements

• 5+ years’ experience in consumer lending, preferably near-prime or higher-risk segments.
• Strong data-driven approach; experience with SQL, Python, or similar tools and credit modelling.
• Experience with affordability assessments and lending to customers with limited or thin credit histories.
• Structured thinker who navigates ambiguity and makes methodical, informed decisions.
• Collaborative, proactive, and comfortable in fast-paced environments.
• Strong problem-solving skills, turning insights into actionable strategies.

Make an impact in a technology-driven lending business that is reimagining how people access consumer credit.