Senior Credit Risk Manager

Harnham; Greater London; On-site; GBP 66,000 - 110,000; Full time

Job summary

Harnham is seeking a Senior Credit Risk Manager for a high-growth consumer lending business in Greater London. You will own high-impact initiatives from concept to delivery, shaping new lending capabilities and strategies.

Work with Credit Risk, Product, Finance, Commercial, and Operations to develop segments, pricing, and distribution opportunities while using data to quantify impact. The role requires strong analytics, advanced SQL, and Python experience is advantageous.

Qualifications

• Strong commercial experience within Credit Risk or related analytics functions.
• Experience in fintech/consumer lending or fast-paced financial services environments.
• Solid SQL skills and ability to work with data directly.
• Understanding of credit strategy, pricing, and risk management.

Responsibilities

• Identify and deliver new lending, credit, and customer growth initiatives.
• Develop new customer segments, lending propositions, and distribution opportunities.
• Explore cross-sell, retention, and customer value enhancement strategies.
• Build and implement innovative credit capabilities and lending strategies.
• Assess commercial opportunities and develop robust business cases.
• Use data to evaluate performance, guide decision-making, and quantify impact.
• Collaborate with Credit Risk, Product, Finance, Commercial, and Operations teams.
• Manage initiatives through strategy, execution, launch, and handover to operations.
• Influence stakeholders and drive adoption of new approaches.

Skills

Advanced SQL

Python

Credit Risk / Lending

Stakeholder engagement

Job description

This is a rare opportunity to join a high-growth consumer lending business in a role focused on innovation, transformation, and the development of new lending capabilities. Rather than maintaining existing credit processes, you will have the autonomy to identify, build, and deliver initiatives that create meaningful commercial impact and enhance customer outcomes.

THE COMPANY

They are a well-established financial services organisation operating within the consumer lending space. With strong foundations already in place across credit risk and lending operations, they are investing heavily in the future of their credit function. Their focus is on innovation, customer value, and developing new ways to approach lending, pricing, and customer engagement. You will join a collaborative environment where new ideas are encouraged, tested, and brought to life.

THE ROLE

As a Senior Credit Risk Manager, you will take ownership of high-impact initiatives from concept through to delivery and measurable business outcomes.

Specifically, you can expect to be involved in the following:

• 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 AND EXPERIENCE

The successful Senior Credit Risk Manager will have the following skills and experience:

• Strong commercial experience within Credit Risk, Lending, or a related analytical function
• Experience working in a fintech, consumer lending, or fast-paced financial services environment
• Advanced SQL skills and confidence working directly with data
• Python experience is advantageous
• Ability to develop and deliver new ideas rather than solely managing existing processes
• Strong understanding of credit strategy, lending decisioning, pricing, and risk management
• Excellent stakeholder engagement and influencing skills
• A proactive, ownership-oriented approach with the ability to lead initiatives independently
• Comfortable operating in a hands-on individual contributor role

BENEFITS

The successful Senior Credit Risk Manager will receive the following benefits:

• Salary up to £110,000 - depending on experience