Remote Senior Credit Risk Manager — SME & Large Exposures

Pliant GmbH; Greater London; Remote; GBP 70,000 - 110,000; Full time

Benefits offered by this job

Attractive remuneration

Remote work flexibility

Pliant Card monthly credit to explore

Flat hierarchy and open communication

Job summary

Pliant is seeking a Credit Risk Manager to oversee a portfolio of large UK/EEA exposures. You will lead due diligence, underwriting and risk assessment, and contribute to building scalable, compliant credit processes.

You will collaborate with Sales, Legal, Operations, Product and Data teams, using your expertise in accounting and financial analysis, open banking data, and BI tools to drive strong, transparent risk decisions.

Qualifications

• Minimum 3-6 years of operational experience in credit risk assessment for EEA or UK corporate or SME customers from a bank or fintech.
• Strong knowledge of accounting principles and industry-specific financial analysis.
• Previous exposure to open banking data is a plus.
• Analytical thinking, detail orientation and ability to quickly understand new problems and systems and work out solutions.
• Experience with tools used for loan processing, credit decisioning, and BI.
• Project management skills and demonstrated ability to design and steer complex projects end to end.
• Fluent English with very good writing skills. Other European languages are a plus.

Responsibilities

• Due diligence: Assess who our customers are, how and with whom they operate their business model, what their public and financial profiles are.
• Underwriting: Analyze business and financial information of our customers (e.g., credit agency reports, financial statements, bank account statements), write up the key risks and mitigants and conclude.
• Credit decision: Decide on limit requests of our customers within your delegated authority and help us build and maintain a performing loan book.
• Risk ownership: You own multiple high-limit customers and groups of customers, know them inside out, follow their development over time, and monitor their risk profiles that you present to the credit risk committee.
• Innovation: You get to the heart of complex operational workflows and systems. You understand how to systematize business problems and design smart solutions. You will help us building scalable yet compliant straight-through processes, including the utilization of AI capabilities.
• Communication: You are a facilitator and ensure a smooth and fact-based information flow between your colleagues. In doing so, you support the development of a culture of open dialogue, which is focused on mutual respect and the joint achievement of excellent results.

Skills

Credit risk assessment

Analytical thinking

Detail orientation

Open banking data

Project management

Fluent English

Tools

BI

Loan processing tools

Credit decisioning tools

Job description

Pliant is seeking a Credit Risk Manager to oversee a portfolio of large UK/EEA exposures. You will lead due diligence, underwriting and risk assessment, and contribute to building scalable, compliant credit processes.

You will collaborate with Sales, Legal, Operations, Product and Data teams, using your expertise in accounting and financial analysis, open banking data, and BI tools to drive strong, transparent risk decisions.