Credit Risk Manager (Hybrid)

DRH Support Services; City Of London; Hybrid; GBP 75,000 - 90,000; Full time

Job summary

A financial services firm in London is seeking a seasoned Credit Risk Manager to lead their team. The role combines advanced analytics with leadership responsibilities, focusing on credit risk and fraud analytics. Candidates should have over 8 years of experience in retail unsecured lending, strong SQL skills, and a numerate degree. This hybrid position allows for a flexible work arrangement, with two days at home and three in the office.

Qualifications

• 8+ years of experience in credit risk or fraud analytics, ideally in retail unsecured lending.
• Direct experience in designing credit risk decisioning frameworks.
• Strong proficiency in SQL and advanced Excel skills.

Responsibilities

• Manage a high-performing credit risk team.
• Contribute to the optimisation of underwriting and fraud prevention.
• Drive strategic initiatives for personal loans.

Skills

Credit risk management

Fraud analytics

Team leadership

SQL

Advanced Excel

Probability and statistics

Communication skills

Education

Degree in a numerate discipline

Tools

Python

R

Job description

Our client is looking for a seasoned Credit Risk Manager to join their team , it's hybrid so you can work 2 days at home, 3 days in their offices.

This hands-on role combines advanced analytics with leadership responsibilities, giving you the opportunity to manage a high-performing team, influence business decisions, and drive strategic initiatives.

You will work across multiple teams and directly contribute to the optimisation of underwriting, fraud prevention, responsible lending, and portfolio management for personal loans.

For this role you would need:

• 8+ years of experience in credit risk, fraud analytics, or a related field, ideally within retail unsecured consumer lending (loans or credit cards).
• Direct experience designing and implementing credit risk decisioning frameworks, strategies, and affordability assessments.
• Strong proficiency in SQL for querying and analysing large datasets; experience with Python or R is a plus.
• Advanced Excel skills, including expertise in complex formulas, pivot tables, and data analysis tools.
• A strong foundation in probability and statistics, including experience with A/B testing and advanced analytical methods.
• In-depth knowledge of UK bureau data (e.g., Experian, Equifax, TransUnion) and familiarity with fraud detection techniques, alternative data sources, and collections solutions.
• An understanding of how marketing and distribution channels impact credit and profitability performance.
• A good grasp of the regulatory landscape, with the ability to align commercial objectives with compliance requirements.
• Excellent communication and interpersonal skills, capable of articulating insights and recommendations to technical and non-technical audiences.
• A degree in a numerate discipline (e.g., Mathematics, Statistics, Economics, or STEM) or equivalent practical experience.

A more extensive job spec is available for interested candidates.