Senior Credit Risk & Lending Innovation Lead

Harnham - Data & Analytics Recruitment; Greater London; Hybrid; GBP 66,000 - 110,000; Full time

Job summary

Harnham - Data & Analytics Recruitment is seeking a Senior Credit Risk Manager in London with hybrid working (3 days in office). You will own high-impact credit risk initiatives from concept to delivery, shaping lending strategies and commercial outcomes.

The role emphasizes innovation, data-driven decision making, and collaboration across Credit Risk, Product, Finance, and Operations to deliver measurable business value. Strong SQL and fintech experience are highly valued.

Qualifications

• Strong commercial experience within Credit Risk, Lending, or a related analytical function.
• Experience in fintech, consumer lending, or fast-paced financial services.
• Advanced SQL skills and confidence working directly with data.
• Python experience is advantageous.

Responsibilities

• Identifying and delivering new lending, credit, and customer growth initiatives.
• Developing new customer segments, lending propositions, and distribution opportunities.
• Exploring cross-sell, retention, and customer value enhancement strategies.
• Building and implementing innovative credit capabilities and lending strategies.
• Assessing commercial opportunities and developing robust business cases.
• Using data to evaluate performance, guide decision-making, and quantify impact.
• Working closely with Credit Risk, Product, Finance, Commercial, and Operations teams.
• Managing initiatives through strategy, execution, launch, and operational handover.
• Influencing stakeholders across the business and driving adoption of new approaches.

Skills

Credit risk

Lending

SQL

Python

Stakeholder engagement

Data-driven

Tools

SQL

Python

Job description

Harnham - Data & Analytics Recruitment is seeking a Senior Credit Risk Manager in London with hybrid working (3 days in office). You will own high-impact credit risk initiatives from concept to delivery, shaping lending strategies and commercial outcomes.

The role emphasizes innovation, data-driven decision making, and collaboration across Credit Risk, Product, Finance, and Operations to deliver measurable business value. Strong SQL and fintech experience are highly valued.