Senior Credit Risk Manager

Salary
£85,000-£90,000 + bonus

Location + work pattern
Liverpool area | Hybrid working with flexible on-site expectations (typically 2-3 days)

THE COMPANY

• A well-established UK consumer organisation operating at national scale, with an integrated credit and payments proposition.
• The business is investing heavily in data, analytics and commercial decision-making following recent growth and transformation.
• Analytics plays a central role in shaping pricing, risk and customer value across financial products.

THE ROLE

This is a senior leadership role responsible for shaping and owning credit pricing strategy across customer acquisition and lifecycle pricing. You will lead a newly formed pricing team as pricing moves into a more commercially focused analytics function.

Specifically, you can expect to be involved in:

• Defining and delivering credit pricing strategies that balance growth, profitability and fair value.
• Developing and overseeing analytical models for pricing, forecasting and performance tracking.
• Setting valuation frameworks and metrics such as lifetime value and risk-adjusted returns.
• Leading testing and experimentation activity to evaluate pricing changes.
• Translating complex analysis into clear, actionable recommendations for senior stakeholders.
• Working closely with analytics, product and engineering teams to improve data quality and reporting.

YOUR SKILLS AND EXPERIENCE

• Strong experience within credit, lending or financial services pricing.
• Solid understanding of unit economics and lifetime value frameworks.
• Experience designing or interpreting test-and-learn or A/B testing approaches.
• Ability to lead and develop analytics professionals.
• Confident communicator, able to influence senior stakeholders with data-led insight.
• Comfortable operating in a regulated environment with a focus on fair value and risk management.

THE BENEFITS

• Competitive base salary with annual performance bonus.
• Flexible benefits allowance, including private medical options.
• Generous holiday entitlement plus bank holidays.
• Pension with employer matching.
• Hybrid and flexible working culture.

THE PROCESS

• First stage: in-depth interview focused on commercial problem-solving and pricing experience, including a case study.
• Second stage: meetings with key stakeholders and peers, covering technical capability and competencies.
• Offer!

HOW TO APPLY

Please register your interest via the apply link on this page.