Senior Credit Risk Manager

SENIOR CREDIT RISK MANAGER

£80,000 - £100,000

LONDON (Flexible Hybrid Working)

A fast-growing FinTech is looking for a Senior Credit Risk Manager to help shape and drive its credit strategy across one of its key markets. This role offers a unique opportunity to join a mission-led business that's reinventing finance for small businesses through smart, data-driven decisioning.

ABOUT THE COMPANY

This innovative lender empowers small businesses by delivering fast, flexible funding solutions. Built on proprietary technology and deep credit expertise, the company has supported over 150,000 businesses across Europe, providing billions in financing to help them grow. With offices in the UK and mainland Europe, and a collaborative, tech-forward culture, the company continues to expand rapidly while staying focused on positive impact.

THE ROLE

As Senior Credit Risk Manager, you'll take a lead role in managing the enhanced underwriting portfolio in a strategic European market. Blending data science, manual assessment, and strategic oversight, your goal will be to optimise credit decisions and portfolio performance.

Key Responsibilities:

• Lead day-to-day performance monitoring and strategic oversight of the enhanced underwriting portfolio.
• Recommend and implement improvements to credit models, workflows, and manual decision strategies.
• Review portfolio performance and credit metrics, investigating deviations and ensuring alignment with risk appetite.
• Collaborate closely with cross-functional teams including analysts, data scientists, and commercial stakeholders.
• Identify risks and gaps in systems, data, and processes - and propose robust solutions.
• Support investor performance by optimising risk-return decisions.
• Set the credit risk agenda and secure buy-in from stakeholders across the business.
• Lead and develop junior analysts, supporting both technical and career development.

YOUR PROFILE

• Experience in credit risk and lending strategy (SME or consumer lending preferred).
• Strong quantitative background (degree in Maths, Engineering, Physics, or similar).
• Experience building and maintaining predictive credit models.
• Fluency in Python (Pandas, NumPy, SciPy, Matplotlib) and SQL.
• Experience with advanced modelling techniques (e.g., Monte Carlo, Bayesian modelling) is a plus.
• Strong communicator.
• Commercial mindset and strong instincts around risk and return.
• Experience mentoring or managing analysts.
• Knowledge of the German lending market or language is helpful, but not required.

THE BENEFITS

• Competitive salary (£80,000 - £100,000 depending on experience)
• Performance-based bonuses and equity options
• Private medical insurance and GP services
• 25 days holiday + birthday off + option to buy/sell additional days
• Fully paid one-month sabbatical after four years
• Enhanced parental leave and nursery tax benefit scheme
• Cycle-to-work and electric car schemes
• Two annual company retreats in Europe
• Access to mental health and emotional support
• Dedicated learning & development budget and access to leading platforms
• Regular events, clubs, and a supportive, inclusive culture