Credit Risk Oversight Manager (Fintech)

Location: Cardiff, London or remote within the UK; occasional meetings in London are required for distributed workers.

Salary: £79,900–£95,000 per year, plus performance-linked incentive awards.

Company

hirify.global is a UK digital bank offering personal and business accounts, savings, investments, pensions, credit cards and other financial products.

What you will do

• Provide second-line oversight of credit risk across existing lending products.
• Develop monitoring metrics, analyse portfolio performance and contribute to risk committees and forums.
• Partner with first-line teams on credit strategy changes, new products and pilots.
• Deliver data-driven challenge, actionable recommendations and thematic assurance reviews.
• Collaborate with model validation and development teams on models supporting credit strategies.
• Contribute credit expertise to stress-testing, forecasting and the Credit Risk Framework.

Requirements

• Strong experience in credit risk management within consumer or small business lending, preferably unsecured products such as credit cards, loans or overdrafts.
• Proven analytical skills for interrogating data, building monitoring and identifying early trends.
• Hands-on experience or understanding of credit risk scorecards and NPV models.
• SQL or a similar tool is required.
• Ability to communicate complex risks clearly and build trusting stakeholder relationships while providing effective challenge.
• Must be based in the UK for remote work; occasional London meetings apply.

Nice to have

• Experience with Looker, Power BI or Tableau.
• Experience in retail unsecured or small business credit risk strategy within financial services.
• Interest in using AI tools to improve credit and risk management.

Culture & Benefits

• Flexible working hours and distributed working within the UK.
• Home-working setup with a MacBook and additional support for fully remote workers.
• £1,000 annual learning budget for books, courses and conferences.
• Performance-linked incentive awards and additional employee benefits.
• Focus on inclusive, diverse and supportive working practices.

Hiring process

• Recruiter call followed by a call with a Credit Risk Oversight Manager.
• Take-home task.
• Role-specific technical interview and behaviours and values interview; the process takes approximately 4–8 weeks.