Credit Risk Oversight Manager (Fintech)

TL;DR

Credit Risk Oversight Manager (Fintech): Providing independent oversight and assurance of credit risk across the lending lifecycle, including underwriting, portfolio management, affordability, collections, and recoveries. Focus on analysing existing product performance, developing monitoring metrics, and providing deep insight and challenge on credit strategies.

Location: London or Remote (UK). This role offers a hybrid approach from the London office or a fully remote basis within the UK. Our data teams are based all over the UK, including Cardiff and London.

Salary: £55,000 to £77,000 + stock options

Company

hirify.global is a digital bank on a mission to make money work for everyone by solving problems rather than just selling financial products.

What you will do

• Provide ongoing oversight of credit risk, including performance analysis and monitoring metric enhancement.
• Partner with first-line teams to support credit strategy changes and new product launches.
• Deliver deep insight, feedback, and independent challenge on credit strategies for optimal decision-making.
• Lead second-line assurance work and thematic reviews.
• Collaborate with model validation and development teams to ensure understanding of credit models.
• Provide credit expertise for strategic projects and critical hirify.global-wide processes like stress-testing and forecasting.

Requirements

• Strong background in credit risk management within consumer or small business lending.
• Proven analytical skills to interrogate data and identify trends.
• Hands-on experience or understanding of scorecards and NPV models for credit decisions.
• Solid technical toolkit, including SQL or similar.
• Ability to convey problems and solutions using clear and simple language.
• Impact-driven with a self-starter mindset.

Nice to have

• Experience in unsecured, revolving products such as credit cards.
• Experience using a data visualisation tool (such as Looker, PowerBI or Tableau).

Culture & Benefits

• Flexible working hours, trusting you to work enough hours to do your job well, at times that suit you and your team.
• Learning budget of £1,000 a year for books, training courses, and conferences.
• An open, collaborative, inclusive working environment.
• Focus on financial wellbeing and solving customer problems.
• Commitment to diversity and inclusion with support for all people to grow.

Hiring process

• Recruiter Call (30mins)
• Initial Call (30 mins)
• Take Home Task
• Final stage (x3 interviews): case study, role-specific, and collaboration interview.
• Average process takes 3-4 weeks.