Credit Risk Manager + Equity

Credit Risk Manager

Salary:
Up to £120k + Equity

- VC-backed fintech unicorn

Lead credit strategy for a profitable unicorn backed by Goldman Sachs. You will own the end-to-end decisioning for consumer finance products, utilizing Python and SQL daily to optimize lending. This high-impact role blends hands‑on data science with strategic leadership, driving growth across UK and US markets while mentoring a team of elite analysts.

London, UK

• Join a profitable fintech unicorn backed by heavyweights like Goldman Sachs and Balderton Capital, offering both stability and massive growth potential.
• High‑autonomy environment where you own the strategy for core products like loans and credit cards, moving from data insight to implementation without bureaucracy.
• Work alongside a world‑class team of alumni from Capital One and Zopa in a culture that prizes analytical rigor and rapid execution.

• Design and refine credit decisioning strategies to determine who to lend to, at what volume, and at what price.
• Conduct deep-dive data analysis using Python and SQL to build monitoring frameworks and forecast portfolio returns.
• Collaborate directly with engineering and product teams to deploy machine learning models and experimental lending strategies.

• Has 5+ years of credit risk experience at a data‑driven consumer lender, with a strong background in strategy and analytics.
• Expert‑level proficiency in Python and SQL is essential, as this is a hands‑on role requiring daily coding and model building.
• Possesses a top‑tier quantitative degree and a proven track record of mentoring junior analysts while delivering commercial results.