Credit Risk Director at Amplifi Capital - London, England, United Kingdom

About Us:

One-third of the UK's working-age population is unable to access mainstream financial services. These individuals are excluded from affordable credit and underserved by traditional financial institutions. Our purpose is "To improve the nation's financial health through accessibility, affordability, and community."

Amplifi Capital is a fast-growing social FinTech, empowering not-for-profit Credit Unions in the UK with state-of-the-art technology and credit capabilities. We aim to grow a network of Community Lenders into viable challengers to high-cost lenders, creating affordable alternatives at scale.

With a team of over 200 people and more than 180,000 active customers, Amplifi is a data-driven business with strong ambitions and a proven platform. We are led by a senior team with decades of experience across institutions such as Credit Suisse, UBS, NatWest, CapitalOne, NewDay and Barclays.

The Role: The Credit Risk Director / Chief Credit Officer is a core member of the executive leadership team, responsible for shaping and driving the company's credit risk strategy across the customer lifecycle. This role brings together ownership of credit strategy, risk modelling, data science, collections, and the risk MI and reporting infrastructure.

This is not a role of simple oversight. The successful candidate will proactively embed credit risk considerations into the design of new business strategies, product development, funding solutions, and commercial growth plans. They will ensure credit risk is a driver of strategic decision-making, rather than just a control point or approver of fully formed proposals.

A critical aspect of the role is leading a high-calibre team of analytical talent, cultivating an environment of innovation, collaboration, and continuous development to drive excellence across all credit risk and analytics initiatives.

The Credit Risk Director / CCO will sit on the Executive Committee (ExCo), and should expect to engage with the Board, regulators, external partners, credit unions, and investors as the company's credit risk lead.

To succeed in this role, you will need:

• 15+ years' experience in credit risk management, data science, analytics, including senior roles in consumer lending or fintech.
• A strong record of strategic leadership within credit, with responsibility for decisioning frameworks, risk policy, and portfolio performance.
• Proven track record of embedding credit risk into strategic design, not just providing downstream approval.
• Expertise in credit modelling, scorecard development, and deployment of decision systems.
• Experience managing credit acquisition, in-life, and collections strategies.
• A deep understanding of UK consumer credit regulation (including affordability and responsible lending) and comfort engaging with regulators.
• In-depth experience with traditional UK consumer credit data (e.g. Experian, Equifax, TransUnion) and solid understanding of alternative data sources (e.g. Open Banking, behavioural data).
• Strong technical literacy (SQL essential; Python or R desirable) to lead a technical team and challenge complex analysis.
• Proven ability to present to Board-level stakeholders, write formal papers, and lead risk discussions with confidence and clarity.
• Excellent interpersonal and leadership skills with a track record of developing and inspiring diverse, high-performing teams.

• Direct experience of credit risk management applied to Unsecured Personal Loans and originated through digital channels (e.g. aggregators).
• Prior ExCo or Board Committee membership.
• Experience working with funding structures, covenant monitoring, and investor reporting.
• Background in a regulated high-growth or scale-up fintech.
• Familiarity with machine learning techniques and their application in credit risk modelling.
• 25 days annual leave
• Pension
• Death in Service Provision
• Private health insurance
• Subsidised Childcare
• Subsidised Gym Membership
• Hybrid working (2 days from home)

We are committed to equality of opportunity for all staff and applications from individuals are encouraged regardless of age, disability, sex, gender reassignment, sexual orientation, pregnancy and maternity, race, religion or belief and marriage and civil partnerships.

Please note that all offers of employment are conditional on us obtaining satisfactory pre-employment checks, including a DBS check, a credit check and employment references.

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