Credit Risk Manager, Portfolio Management

About This Opportunity

We are representing a confidential fintech client in the UK who is scaling a rapidly growing unsecured lending portfolio. This is a true "zero-to-one" Credit Risk Manager role where you'll build lifecycle strategies from scratch for an innovative credit product that challenges traditional banking assumptions. You'll lead a small team of credit analysts with scope to grow, working embedded in a cross-functional product squad to balance commercial growth with customer-first outcomes.

This is a remote-friendly role based in the UK, with occasional travel to London for team collaboration.

Responsibilities

• Build and own portfolio monitoring and forecasting frameworks to track risk and revenue metrics across a fast-scaling lending book
• Architect ongoing risk-based pricing strategies that balance commercial viability with fair customer outcomes
• Design sophisticated lifecycle credit strategies including product upgrades, engagement incentives, balance transfer propositions, and retention loops
• Develop proactive loss mitigation frameworks such as credit limit decrease strategies to support financially vulnerable customers
• Manage and coach a team of 3 credit analysts, fostering technical excellence and strong commercial focus with scope to grow the team over time
• Act as the embedded credit risk expert within a multi-disciplinary squad working alongside Product, Engineering, Design, Marketing, and Customer Research
• Collaborate with second-line Credit Risk, Legal, and Compliance teams while translating complex data insights into clear narratives for executive stakeholders

What We're Looking For

• Commercial, strategic credit leader with deep experience in unsecured lending portfolios, ideally with credit card lifecycle management exposure
• Proven ability to thrive in ambiguous, early-stage environments—building strategies from scratch and questioning traditional banking norms
• Portfolio management experience including risk-based pricing, retention strategies, product upgrades, and loss mitigation
• Strong advocate for both Credit and Conduct Risk, balancing sharp credit instincts with customer protection and delightful experiences
• Exceptional stakeholder management skills with ability to collaborate across engineering, legal, compliance, and influence executive leadership
• Track record of developing analytical talent and managing high-performing teams
• Strong technical and data capabilities—SQL is a must-have; Python and Looker experience are a plus
• Comfortable working in a data-first culture with self-serve analytics tools

How We Work With You

When you apply through Get A Job.ai, our talent team will review your profile and conduct an initial screening conversation. If there's a strong match, we'll submit your candidacy to our client for consideration. The client's interview process typically includes an initial call with the hiring manager followed by a final loop meeting the team, averaging 3-4 weeks total. Please do not contact the client directly—all communication flows through our recruiting team to ensure the best candidate experience.

Pay

Pay via Get A Job.ai will be disclosed during the screening process and is competitive with the market for this senior credit risk leadership role.

Additional Details: This role is open to remote working within the UK with occasional travel to London. Our client can sponsor UK work visas and assist with relocation if needed. The role offers flexible working hours, a learning budget, and comprehensive benefits.

Equal Opportunity: Get A Job.ai is committed to inclusive recruiting practices. We evaluate all candidates without regard to age, ethnicity, religion, sex, sexual orientation, gender identity, family status, national origin, veteran status, neurodiversity, or disability status.