Credit Risk Manager

About the roleWe're looking for an analytically-minded Credit Risk Manager to lead a team of analysts,to help drive meaningful change in one of our consumer finance products in the UK or USA markets. This role is ideal for someone who is confident with data, comfortable coding , and eager to solve complex problems.You'll be part of a collaborative, ambitious organisation where ideas are encouraged and bureaucracy is minimal. Your work will have a tangible impact, driving strategic decisions and enhancing our portfolio performance. Your team's objectives Our credit teams are building high performing portfolios , with bold growth targets and a commitment to responsible lending.Within the credit function, our core responsibilities include: Optimising credit decisioning : who to lend to, how much to lend, and at what interest rate. Assessing and adapting to external economic condition s. Developing and owning models that forecast returns and guide investor reporting. How you'll impact those objectives Define and refine credit strategies that align with our evolving portfolio goals. Discover insights from data using tools like Python and SQL to address key business questions. Collaborate cross-functionally with product, engineering, data, and operations teams to implement strategies. Monitor and assess the success of implemented strategies and continuously identify areas for improvement. What you'll need to succeed Daily coding experience, with proficiency in Python and SQL ideally Proven experience in credit risk strategy , ideally within consumer lending. A strategic mindset and the ability to translate complex data into clear, actionable decisions. A focus on delivering results that align with both commercial and customer needs. A collaborative, open approach and a willingness to challenge your own assumptions Experience leading and developing junior analysts Interview Process We're not corporate, so we try our best to get things moving as quickly as possible. An initial phone conversation with a member of our team. Onsite interviews, including a practical case study and team conversations. A final discussion with a member of our executive leadership (C-suite). The opportunity to scale up one of the world's most successful fintech companies Best-in-class compensation, including equity You can work from home every Monday and Friday if you wish - on the other days we all come together IRL to be together, build and exchange ideas Our in-house chefs prepare fresh, healthy lunches in the office every Tuesday-Thursday We care for our Lendies' well-being both physically and mentally, so we offer coverage when it comes to private health insurance We're an equal opportunity employer and are keen to make Lendable the most inclusive and open workspace in London