Full job description

Senior Credit Risk ManagerLondon, hybrid | Salary up to £110,000This is an opportunity to step away from traditional credit risk responsibilities and take ownership of high-impact lending initiatives. You’ll play a key role in shaping new products, customer strategies, and lending capabilities within a fast-paced FinTech environment.The CompanyThey are an established FinTech business operating within consumer lending, with a strong foundation in credit risk and lending operations. Having built a successful core business, they are now investing in innovation and transformation to develop new lending capabilities and unlock future growth.The organisation offers a collaborative environment where ideas are encouraged, experimentation is supported, and individuals have the autonomy to drive meaningful change. This is a hands-on business where ownership and commercial impact are highly valued.The RoleAs a Senior Credit Risk Manager, you will be responsible for identifying, developing, and delivering strategic initiatives that enhance lending performance and create new opportunities for growth.Key responsibilities include:*Developing new lending propositions, customer segments, and distribution channels
*Building and implementing innovative credit strategies and capabilities
*Identifying opportunities to increase customer value through cross-sell and re-lending initiatives
*Owning projects from concept through to implementation and operational handover
*Assessing commercial viability through analysis, modelling, and performance tracking
*Collaborating with Product, Commercial, Finance, Operations, and Risk teams to deliver business outcomes
*Influencing stakeholders and driving initiatives without direct management responsibility
*Taking accountability for measurable business impact and long-term success
Your Skills & Experience*Strong credit risk experience within a FinTech, consumer lending, or related lending environment
*Advanced SQL skills and the ability to work independently with data
*Python experience is desirable
*Strong understanding of credit strategy, pricing, and lending economics
*Experience developing new products, propositions, or lending initiatives
*Commercially focused with the ability to evaluate opportunities and make data-driven decisions
*Comfortable operating as an individual contributor and leading through influence
*Strong stakeholder management and communication skills
*A proactive mindset with a passion for innovation and continuous improvement
What They Offer*High-visibility role with direct exposure to senior leadership
*Opportunity to shape lending strategy and business growth
*Significant ownership and autonomy
*Collaborative and entrepreneurial working culture
*Clear opportunity to deliver measurable commercial impact
*Exposure to a broad range of strategic, product, and credit initiatives
How to ApplyIf you’re a commercially minded credit risk professional who enjoys building new solutions and driving innovation within lending, apply today to discuss this opportunity in more detail.