We are seeking a Senior Credit Risk Manager to oversee and drive the next phase of growth across our global business based out of our London headquarters. In this role, you will lead the Credit Strategy and underwriting team, owning, developing and innovating our credit strategy ensuring consistent, high-quality credit decisions aligned with the company’s risk appetite and regulatory obligations. You will partner closely with senior risk leadership, Product, Data, Decision Science, Compliance, and Commercial teams to strengthen credit policies, optimize decisioning frameworks, and drive continuous improvements in portfolio performance.

This role requires deep credit risk expertise and an ability to thrive in a fast paced environment. Outstanding interpersonal skills will be required both to lead the team and collaborate with business partners and senior management. You will be empowered to manage and be accountable for team performance, underwriting quality, operational efficiency, and the delivery of key risk outcomes across all of our UK, US, EU and future markets.

Requirements

Oversee credit underwriting and risk assessment processes to ensure consistent application of credit policies and risk appetite including calling out issues and collaborating with 2nd line Quality Assurance teams Review complex or escalated cases and provide guidance on structured risk decisions Required Skills 5+ years of experience in credit risk, underwriting, or a related risk management function within financial services, fintech, lending, or commercial credit Strong understanding of credit underwriting principles, data science model application, risk appetite frameworks, and portfolio risk management Outstanding quantitative and deductive reasoning skills; quickly able to identify insights in complex multi-dimensional data sets and autonomously develop and pursue solutions Strong written and verbal communication skills, including the ability to explain risk concepts to non-technical audiences Proven ability to lead teams, recruit and develop talent, drive accountability, and influence cross-functional stakeholders Ability

Senior Credit Risk Manager – All Global Markets