CREDIT RISK MANAGER

SALARY UP TO £80,000-100,000

HYBRID (3 DAYS PER WEEK IN-OFFICE)

LONDON

Harnham are working with a high-growth fintech scale-up that is transforming financial wellbeing through innovative consumer financial products. This is an excellent opportunity for a commercially minded credit risk professional to help shape lending strategy within a rapidly expanding business.

THE COMPANY

Harnham are working with a fast-growing fintech scale-up on a mission to improve financial wellbeing for employees through innovative workplace financial products. Operating in the consumer lending and financial services space, the business has developed a suite of solutions focused on helping individuals better manage their finances while giving employers tools to support employee wellbeing. Following significant investment and continued expansion, the company is scaling its analytics and risk capabilities, offering the opportunity to join a high-growth environment where data-driven decision making is central to the business strategy and future success.

THE ROLE

This role sits within a credit risk function responsible for driving lending performance, customer outcomes, and strategic decision-making. You will use data-driven insights to optimise credit strategies and influence key business decisions across the lending lifecycle.

Specifically, you can expect to be involved in:

• Defining and optimising credit risk strategies to support portfolio growth and performance.
• Analysing complex datasets to identify trends, opportunities, and business insights.
• Working with cross-functional teams to implement and monitor strategy changes.
• Evaluating strategy performance and recommending continuous improvements.
• Supporting affordability and customer outcome initiatives through analytical problem-solving.

SKILLS AND EXPERIENCE

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

• Experience within consumer lending, ideally across unsecured lending products.
• Strong analytical and problem-solving skills with the ability to structure complex challenges.
• Advanced SQL skills and strong Excel capabilities; Python experience is advantageous.
• Ability to translate data into actionable business recommendations.
• Strong stakeholder management and communication skills within cross-functional environments.

BENEFITS

The successful Credit Risk Manager will receive a salary up to £100,000.