Senior Credit Risk Manager

London, hybrid | Salary up to £110,000

This 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 Company

They 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 Role

As 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 Apply

If 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.