logo for Harnham

Senior Credit Risk Manager - London, United Kingdom,


Senior Credit Risk Manager
£110,000 + Benefits

A Head Of / Senior Credit Risk Manager role with broad scope at a high profile fin-tech. You'll cover the entire Credit Risk life-cycle including end to end customer credit strategies, provisioning and managing the P&L credit losses. You'll oversee a top class team of Credit Risk Analysts and manage the development of the logic and systems used to make lending decisions.


  • In a sentence, it's to understand and manage the Credit Risk of the business and to balance that with growth ambitions, good customer outcomes and profitability
  • Communicating insights to stakeholders and gaining buy-in for strategy changes across the business
  • All tools and analytics used in the underwriting decisions including oversight of the Credit Risk Scorecards
  • All Acquisition and Account Management strategies including credit limit assignment, increase and decrease programs
  • Overseeing the Credit Risk Control Framework
  • Leading a team of highly skilled and intelligent analysts as well as owning the hiring process for new hires


  • Strong analytical background with a numerate academic history and a track record of using data to drive customer credit decision
  • A deep understanding of consumer Credit Risk including end to end life-cycle knowledge and decision science exposure
  • A deep understanding of the levers that can be used to drive portfolios performance and how to build tools to drive profitability
  • Experience working in Credit Risk Underwriting, Acquisitions, Account management and Collections
  • Strong experience using credit agency data
  • Experience building or supporting the development of decision systems


  • £110,000
  • Share package


Head of Credit Risk, Start-Up, Fin-tech, Analytics, Credit Analytics, Lending Strategies, Scorecards, SAS, SQL, Python, R, Credit Bureau, Credit data, Portfolio Analysis, Credit Risk Analysis, Portfolio Analysis, SAS, SQL, Retail Banking, Strategy, Commercial, Acquisitions Strategy, New Business Strategy, Loan Optimisation, Collections Strategy, Existing Customer Management, Portfolio Analytics, Product Strategy, Digital Optimisation, Marketing Analytics, Underwriting Policies, Affordability, Creditworthiness