Credit Risk Manager

An exciting opportunity has arisen for a Credit Risk Manager to take ownership of credit risk operations across a diverse lending portfolio. This is a hands-on role, perfect for an experienced credit risk professional with a strong analytical foundation and a passion for shaping data-driven lending strategies.

In this key position, you'll act as the bridge between credit risk analytics and operational delivery, ensuring credit strategies are effectively implemented and aligned with risk appetite.

Key Responsibilities:

• Lead the design and execution of credit acquisition strategies across both secured and unsecured products.
• Manage and optimise credit decisioning rules and scorecard performance within decision platforms (e.g., Provenir, GDS, Modellica).
• Monitor and report on core credit risk metrics – bad rates, delinquency, impairments, vintage analysis, and more.
• Maintain and enhance IFRS9 ECL models and provisioning forecasts.
• Conduct deep-dive portfolio analysis to identify emerging risks and macroeconomic impacts.
• Ensure underwriting standards and credit policies are followed across all lending channels.
• Contribute to a culture of continuous improvement, including mentoring junior team members.
• Collaborate with internal teams such as Finance, Operations, and Compliance to align credit strategies with broader business goals.
• Prepare and present insightful MI and recommendations to senior leadership and Credit Committee.

What We're Looking For:

• Degree in a numerate discipline (e.g., Mathematics, Economics, Data Science) or equivalent experience.
• 4+ years' experience in credit risk management, ideally within retail banking or fintech.
• Proven background in credit strategy development, scorecard monitoring, and risk-based pricing.
• Strong hands-on experience with SQL and Python (or R/SAS) for analysis and modelling.
• Knowledge of IFRS9, CONC, and other relevant regulatory frameworks.
• Excellent communication skills with the ability to turn data into strategic insight.
• Leadership or mentoring experience is a plus.