Full job descriptionSenior Credit Risk Manager
London | 110k
This is a rare opportunity to shape the future of consumer lending within a fast-growing financial services business. Backed by significant investment and reporting directly into senior leadership, you will take ownership of high-impact initiatives that redefine lending capabilities, unlock new revenue opportunities, and deliver measurable commercial value.


The Company
This established UK fintech operates within the consumer lending space and has a strong track record across credit risk management, lending performance, and customer outcomes. With a solid operational foundation already in place, the business is now investing heavily in innovation and strategic growth.
They are focused on developing new lending capabilities, customer propositions, and distribution opportunities that can create a genuine competitive advantage. The environment is entrepreneurial, data-driven, and highly collaborative.


The Role
As Head of Lending Innovation & Credit Strategy, you will lead the development and delivery of transformational lending initiatives from concept through to implementation and business impact.
Key responsibilities include:
*Identifying and owning high-value lending initiatives that drive growth and improve customer outcomes.
*Developing new customer segments, lending propositions, and distribution channels.
*Exploring opportunities across re-lending, cross-sell strategies, and customer lifecycle value.
*Designing innovative credit strategies and lending capabilities.
*Building commercial business cases, modelling opportunities, and assessing strategic trade-offs.
*Taking ownership of initiatives across strategy, pricing, credit design, go-to-market planning, delivery, and BAU transition.
*Collaborating with Credit Risk, Product, Finance, Commercial, and Operations teams to bring ideas to market.
*Influencing senior stakeholders and maintaining accountability for measurable outcomes.
*Driving experimentation, continuous improvement, and innovation across the lending proposition.
*This is a hands-on individual contributor role with significant autonomy and visibility. Success will come from your ability to build, influence, and execute rather than manage a large team.


Your Skills & Experience
*Strong experience within FinTech, consumer lending, credit risk, or a closely related environment.
*Deep understanding of lending products, credit strategy, and commercial decision-making.
*Advanced SQL skills are essential.
*Experience using Python for analysis, modelling, or strategy development is highly desirable.
*Proven ability to develop and deliver new propositions, products, or lending initiatives.
*Strong commercial acumen with the ability to evaluate risk, pricing, and growth opportunities.
*Comfortable operating in a fast-paced, entrepreneurial environment.
*Excellent stakeholder management and influencing skills.
*A proactive, innovative mindset with a track record of taking ownership and delivering measurable impact.


What They Offer
*Performance-related bonus.
*Comprehensive benefits package.
*Direct exposure to executive leadership and strategic decision-making.
*Opportunity to own and shape major lending initiatives from inception to launch.
*High levels of autonomy and visibility across the business.
*Clear opportunity to influence the future direction of a growing fintech organisation.


How to Apply
If you are a commercially minded lending or credit professional with strong SQL skills and a passion for building innovative lending solutions, please apply with your CV to discuss this opportunity in more detail.