Financial Risk Assessment Manager

Trading & Shipping; City of Westminster; On-site; GBP 80,000 - 120,000; Full time

Job summary

A fast-growing fintech company seeks a Senior Credit Risk Manager in London to optimise credit risk and affordability strategies. This role is critical for driving growth and safeguarding financial health through data-driven decision making. The ideal candidate will have over 5 years of experience in auto lending, strong technical skills in SQL and Python, and a structured mindset to tackle complex problems. Join this dynamic team and help shape the future of car finance.

Qualifications

• 5+ years’ experience delivering credit results in an auto lending business.
• Strong technical foundation in SQL, Python, and credit modelling.
• Structured thinker who thrives in fast-paced environments.

Responsibilities

• Develop new approaches to credit and affordability using hands-on analytics.
• Build scalable processes that balance customer outcomes with business goals.
• Improve credit performance and reduce arrears rates.

Skills

Data-driven decision making

Credit modelling

SQL

Python

Open Banking

Job description

Senior Credit Risk Manager

Title: Senior Credit Risk Manager

Company: Carmoola – VC‑backed fintech revolutionizing car finance

Salary: £80k-£120k

Location: London, UK

Job Description: Join Carmoola, a fast‑growing fintech, as a Senior Credit Risk Manager to optimise credit risk and affordability strategy. You’ll drive growth while safeguarding financial health, using data‑driven and AI‑powered decision‑making to shape the future of our car loan offering. This is a high‑impact, analytical role central to scaling one of the business’s most critical functions.

Why this role is remarkable:

• Lead the optimisation of credit risk and affordability strategy, directly influencing business growth and financial performance.

What you will do

• Develop new approaches to credit and affordability using hands‑on analytics and robust data‑driven decision‑making.
• Build scalable processes that balance customer outcomes, operational efficiency, and commercial goals.
• Improve credit performance and reduce arrears rates, delivering measurable in‑market impact.

The ideal candidate

• Has 5+ years’ experience delivering credit results in an auto lending business, using data and AI to drive decisions.
• Strong technical foundation in SQL/Python, Open Banking, and credit modelling.
• A structured thinker who thrives in fast‑paced, complex environments and brings clarity to ambiguous problems.

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How to Apply

Speak to Jack, our AI recruiter:

1. Visit our website.
2. Click 'Speak with Jack'.
3. Login with your LinkedIn profile.
4. Talk to Jack for 20 minutes so he can understand your experience and ambitions.
5. If the hiring manager would like to meet you, Jack will make the introduction.