Senior Credit Risk Manager

# Senior Credit Risk Manager
* Virginia* Full Time (Permanent)
* Hybrid* 175-250k
* Loans US Credit Apply for this role## About the role

We’re looking for a
** highly analytical, technically strong Senior Credit Manager
** to join our U.S.  this role, you will help drive a step-change in how we measure, test and understand the performance of our U.S. loans business. You’ll work horizontally across Credit, Data Science, Product, Engineering and Capital Markets to ensure we are making statistically sound, customer-friendly and commercially intelligent decisions.

This is a
** high-impact, high-autonomy role**. You will own core analytical infrastructure that underpins how we improve credit strategy, evaluate tradeoffs, and scale profitably. The role is ideal for someone who thrives in ambiguity, is comfortable going deep into technical detail, and can translate rigorous analysis into decisions that move the business.##

What you’ll be doing
1) Own our Testing Ecosystem (Experimentation + Statistical Rigor)
* ** Own the end-to-end testing ecosystem for credit and product decisions
** including experimentation design, implementation standards, and result interpretation
* Ensure we are
** collecting the right data**, in the right structure, to answer high-priority questions
* Establish
** statistically sound testing practices
** across teams
* Develop repeatable frameworks for evaluating tradeoffs between
** conversion, risk, yield, and customer outcomes
*** Partner with Product/Engineering to ensure experimentation tools and logging support robust measurement (not fragile analyses after the fact)2) Build Best-in-Class Monitoring & Analytics Suite (Performance + Economics)
* ** Build and own a cohesive monitoring and analytics suite
** that provides a nuanced, end-to-end view of the business
* Ensure we have clear visibility into credit performance, unit economics, funnel & underwriting performance
* Develop tooling that lets us diagnose issues early and confidently
* Create a “single source of truth” performance narrative that can be relied on by senior leadership for decision making3) Drive Portfolio Valuation & Forecasting (Decision Support Across the Business)
* Help build and continuously improve our approach to
** portfolio valuation, performance forecasting, and expectation-setting
*** Produce credible valuations / forward-looking performance views that inform:  + Credit strategy and policy changes  + Capital markets funding conversations  + Growth scaling decisions  + Product prioritisation and roadmap tradeoffs
* Ensure valuation approaches are grounded in high-quality assumptions, are transparent, and are calibrated to observed performance    Build clear frameworks for answering:
* what is the portfolio worth, how does it change under different strategy choices, and where are we taking risk?

* 4) Be Hands-On With Data & Influence Decision Making
* Be comfortable being
** hands-on with data**: drive your own analysis, build models/tools where needed, and turn analysis into crisp recommendations (SQL required; Python strongly preferred)
* Communicate complex insights clearly to technical and non-technical stakeholders
* Operate with an ownership mindset: identify the biggest analytical blind spots and drive improvements proactively (not only when asked)## What we’re looking for Essential skills
* Strong hands-on analytics ability — comfortable pulling data yourself and using it to drive decisions (
** strong SQL & Python required**)
* Deep understanding of
** experimentation, measurement, and statistical inference** (power, significance, bias, causality, segmentation, guardrails)
* Strong understanding of
** credit performance and unit economics
** in lending
* Experience building monitoring / performance reporting and diagnosing portfolio performance changes
* Strong commercial judgment: can balance customer outcomes and business profitability; comfortable with ambiguity and tradeoffs
* Strong stakeholder management and communication — able to influence cross-functionally and up to senior leadership
* Ownership mindset and high standards for analytical quality and integrity Desirable
* Experience in U.S. personal loans,…