CREDIT RISK MANAGER

SALARY BETWEEN £65,000 - £100,000

FULLY REMOTE

LONDON

Harnham are working with a mission-driven fintech lender that is using innovative credit solutions to support underserved small businesses. This is an opportunity to join a growing organisation where you can play a key role in shaping credit strategy and portfolio performance.

THE COMPANY

Harnham are partnered with a purpose-led fintech lender focused on driving financial inclusion through responsible lending. The business provides funding solutions to underserved small businesses, helping entrepreneurs access the capital they need to establish and grow sustainable operations. Operating in a high-impact, data-driven environment, the organisation combines technology, analytics and innovative credit strategies to deliver meaningful outcomes while supporting economic growth in emerging markets.

THE ROLE

This Credit Risk Manager position sits at the heart of the credit function, leading portfolio strategy, risk performance analysis and lending optimisation initiatives. You will work closely with analytics, engineering, product and business stakeholders to improve portfolio outcomes across the customer lifecycle.

Specifically, you can expect to be involved in:

• Developing and refining portfolio management and credit risk strategies.
• Monitoring portfolio performance, identifying trends and recommending strategic actions.
• Supporting the development and enhancement of lending policies and risk frameworks.
• Partnering with data, product and technology teams to implement analytical and decisioning solutions.
• Driving collections and recovery strategy improvements across the customer lifecycle.

SKILLS AND EXPERIENCE

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

• Proven experience in credit risk strategy, portfolio management or lending policy within financial services or fintech.
• Strong quantitative background with a degree in a STEM-related subject such as Mathematics, Statistics, Economics or a similar field.
• Proficiency in Python for analytics, modelling and data-driven decision making.
• Experience working with credit risk analytics, portfolio performance monitoring and forecasting techniques.
• Ability to communicate technical findings clearly to both technical and non-technical stakeholders.

BENEFITS

The successful Credit Risk Manager will receive a salary between £50,000 - £100,000.