Senior Credit Risk Manager

We’re looking for a Senior Credit Risk Portfolio Manager

About u

s
Imagine a world where every small business has the power to thrive. That's the world we're building at iwoca. Small businesses aren't just statistics – they're the heartbeat of our communities, the character of our high streets, and the engine of our economy. Since 2012, we've revolutionised how these businesses access finance, turning what was once a lengthy, frustrating process into something remarkable: funding that's fast, flexible, and actually works for modern businesse

s.
Our impact speaks for itself: we've provided billions in funding to more than 150,000 businesses across Europe, making us one of the continent's leading fintech innovators. But we're just getting started. Our mission? To empower one million businesses with the financial tools they deser

ve.
We combine cutting-edge technology and data science with genuine human understanding to make finance feel less like a barrier and more like a superpower. Whether it's managing cash flow or seizing unexpected opportunities, we ensure businesses get the funds they need – often within minu

tes.
The role - Shape the future of small business le

nding
At iwoca, we’re on a mission to expand access to finance for small businesses. As we continue to grow, we’re looking for a sharp, experienced Senior Credit Risk Portfolio Manager for our German business. This role is central to maintaining our strong credit risk culture and ensuring we scale responsibly and sustai

nably.
You'll work closely with our Chief Credit Officer, Data Scientists, Capital Markets team, and other stakeholders across the business. Your insights will directly influence credit policy, risk appetite, funding strategy, and our ability to serve more customers with conf

idence.
What you will b

• e doing:
  Own the portfolio: Monitor credit performance across the DE portfolio—by product, segment, and risk tier. Spot trends early and drive correctiv
• e action.Be the voice of credit risk: Provide clear, concise reporting on loss rates and credit profile to the Risk Committee and senior le
• adership.Support strategic direction: Help shape and manage iwoca’s credit risk appetite and credi

delivery.
The re

• quirements
  A strong analytical mind: A background in Mathematics, Physics, Engineering, or a similarly quantitative field—or equivalent
• experience.Credit risk expertise: 3+ years in a credit risk role at a traditional or fint
• ech lender.Data-driven problem-solver: Skilled at both framing problems conceptually and executing technical analysis. Hands-on with Python (Pandas, NumPy, SciPy, Matplotlib, Seabor
• n) and SQL.Bonus points for experience with Monte Carlo simulations, PyMC3, and Bayesia
• n modeling.Confident c

nvironment

.
The salary
We expect to pay from £100,000 for this role, But, we’re open-minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and sa

lary review

s.
The culture
At iwoca, we look to hire smart, passionate, humble individuals with a growth mindset. We prioritise a culture of learning, growth, and support, and invest in the professional development of ou

r team members.
We value thought and skill diversity, and encourage you to explore new areas of interest to help us innovate and improve our produc

ts and services.
Our friendly and inclusive environment, combined with our flexible work policies, ensures that you'll have the perfect balance between work and life, empowering you to thrive both personally an

d professio

nally.
The offices
We put a lot of effort into making iwoca a brill

• iant place to work:Offices in London, Leeds, Berlin and Frankfurt with plenty o
• f drinks and snacksEvents and clubs, like bingo, comedy nights, yoga clas

ses, football, etc.
The benefits (dependi

• ng on your location)
  Medical insurance from Vitality, including disco
• unted gym membership.25 days’ holiday, an extra day off for your birthday, and the option to buy or sell an additional 5
• days of annual leave.Instant access to emotional and mental health support wit
• h our partner, Spill.Pensi
• on and share options.Generous maternity
• and paternity leave.A nursery tax benefit scheme to
• help you save money.Paid volunteering day to support
• your chosen charity.Un
• limited unpaid leave.One-month fully paid sabb
• atical after 4 years.Cycle-to-work scheme and
• electric car scheme.Two company retreats a year, we’ve been to France, Italy, Spai
• n and further afield.Private GP service for you, your partner,

and your dependents.
And to make sure we all ke

• ep learning, we offer:A learning and developmen
• t budget for everyone.Company-wide talks with internal
• and external speakers.Access to learning platforms like Treehouse if you

want to learn

• to code.
  Useful links:iwoca
• benefits & policie