Credit Risk Manager

About the role

We’re looking for a super-smart senior analyst/credit risk manager who is great with numbers and loves problem-solving to come and have a big impact on our business

We want someone who has coding experience and uses it (ideally Python and SQL) on a daily basis to generate insights from data and use that insight to drive meaningful change in our UK cards business

You’ll be working for an ambitious company, in a fast-paced environment, with minimal bureaucracy

The credit card team is building a near prime cards portfolio with ambitious targets

In the credit team, we are looking to optimise who we offer credit to, how much we should lend to them, what interest rate we should charge, and how the wider economic environment impacts those decisions

We also own various models, which we use to forecast returns for our investors

Responsibilities

• Define the credit strategy for our evolving portfolio
• Discover insights from data and develop strategies to answer the big questions and address key business questions
• Collaborate with a wider cross-functional team to implement your strategies in the market
• Monitor and assess the success of implemented strategies, and continuously discover further opportunities for improvement

Who you are

• Daily coding experience, with proficiency in Python and SQL ideally
• Proven experience in shaping credit card strategies
• Understanding what truly matters and driving business outcomes
• A natural inclination to challenge the status quo and question your own assumptions

Application process

We’re not corporate, so we try our best to get things moving as quickly as possible

For this role, we’d expect:

• A quick phone call with one of the team
• Onsite interviews including case studies and meeting the team
• C-suite interview

Company

Profitable Fintech Unicorn - Lending Platform

501-1000 employees

Fintech, B2C, Marketplace, Personal finance, Lending, Customer service

Company benefits

• Best-in-class compensation, including equity
• Comprehensive private health insurance (including dental, optometry and general wellbeing)
• Multiple opportunities to socialise with your team and the wider company
• Equipment provided for you to do your best work!
• You can work from home every Monday and Friday if you wish - on the other days we all come together IRL to be together, build and exchange ideas (hybrid)
• Our in-house chefs prepare fresh, healthy lunches in the office every Tuesday-Thursday
• EV car scheme (Octopus)
• Cycle to work scheme
• Pension
• 25 days of annual leave - excluding bank holidays
• 50% off gym memberships at Virgin Active and Nuffield (via Vitality health insurance)