Senior Credit Risk Manager - 201660

Harnham; Greater London; Hybrid; GBP 110,000 - 140,000; Full time

Benefits offered by this job

Hybrid work in London

25 days annual leave

Autonomy and visibility

Impactful lending strategy

Clear progression opportunities

Job summary

Harnham is seeking a commercially minded professional to lead innovative lending initiatives within a growth-focused FinTech. You will own the end-to-end development of new lending capabilities, balancing growth and risk while driving measurable commercial value.

Reporting to senior leadership, you will work across Product, Finance, Operations and Credit to design, implement and launch new propositions and pricing strategies that shape the company’s future direction.

Qualifications

• Experience in FinTech lending or credit risk.
• Advanced SQL skills.
• Experience launching new lending products or strategic initiatives.
• Strong stakeholder management and influencing skills.
• Commercial mindset balancing growth and risk.

Responsibilities

• Developing new lending propositions, products and customer strategies.
• Identifying opportunities across new distribution channels and customer segments.
• Building initiatives focused on customer retention, cross-sell and re-lending.
• Designing and implementing new credit capabilities and strategies.
• Taking ownership of projects from idea generation through to launch and BAU handover.
• Evaluating pricing, credit and commercial trade-offs to support growth.
• Conducting analysis and building business cases to support decision-making.
• Working with Product, Commercial, Finance, Operations and Credit teams to deliver change.
• Challenging existing approaches and introducing innovative ways of working.

Skills

Credit risk

SQL

Python

Product launch experience

Stakeholder management

Commercial mindset

Analytical skills

Independent contributor

Tools

Python

Job description

This is an opportunity to join a growing consumer lending FinTech in a role focused entirely on innovation, transformation and commercial impact. Rather than maintaining existing credit processes, you will identify, build and launch new lending capabilities that can shape the future direction of the business.

The Company

This FinTech operates within the prime and near-prime consumer lending market and has built a strong foundation across credit risk, monitoring and portfolio management. Following significant growth and investment, the business is focused on developing new products, customer propositions and lending strategies to create a stronger market position.

With an entrepreneurial culture and a willingness to challenge conventional thinking, they are looking for someone who can bring fresh ideas and take ownership of transformative initiatives from concept through to delivery.

The Role

Reporting into senior leadership, you will be responsible for driving high-impact projects that create meaningful commercial value.

Key responsibilities include:

• Developing new lending propositions, products and customer strategies
• Identifying opportunities across new distribution channels and customer segments
• Building initiatives focused on customer retention, cross-sell and re-lending
• Designing and implementing new credit capabilities and strategies
• Taking ownership of projects from idea generation through to launch and BAU handover
• Evaluating pricing, credit and commercial trade-offs to support growth
• Conducting analysis and building business cases to support decision-making
• Working closely with Product, Commercial, Finance, Operations and Credit teams to deliver change
• Challenging existing approaches and introducing innovative ways of working

Your Skills & Experience

• FinTech experience within lending, credit risk or a related environment
• Strong understanding of credit strategy, pricing and customer acquisition
• Advanced SQL skills
• Python experience is beneficial but not essential
• Commercial mindset with the ability to balance growth and risk considerations
• Experience building and launching new products, propositions or strategic initiatives
• Comfortable operating as an individual contributor
• Strong stakeholder management and influencing skills
• Demonstrable ability to take ownership and deliver measurable outcomes

What They Offer

• Salary of £110,000+, with flexibility for outstanding candidates
• 25 days annual leave
• Hybrid working model with a minimum of three days per week in the London office
• Significant autonomy and visibility across senior leadership
• Opportunity to influence lending strategy and business growth
• A genuinely innovative role with clear scope for progression and impact