Credit Risk Oversight Manager (Fintech)

TL;DR

Credit Risk Oversight Manager (Finance): Providing independent assurance and oversight of credit risk across lending products including underwriting, portfolio management, affordability, and collections. With an accent on credit strategy optimization, risk framework maintenance, and data-driven decision making. Focus on analysing credit performance, delivering insights, and collaborating with model validation and development teams to ensure safe growth of lending portfolios.

Location: London, Cardiff or Remote within the UK with hybrid or fully remote working options.

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

Company

hirify.global is a UK-based fintech product company focused on revolutionising banking by providing innovative personal and business financial products with a customer-centric approach.

What you will do

• Provide ongoing oversight and analysis of credit risk performance and monitoring metrics for lending products.
• Partner with first line teams to support credit strategy changes, new product launches, and pilots.
• Deliver independent challenge and insights to optimise credit decisioning throughout the customer lifecycle.
• Lead second line assurance work and thematic reviews related to credit risk.
• Collaborate with model validation and development teams to understand credit risk models.
• Support maintenance and embedding of the Credit Risk Framework across the business.

Requirements

• Must have strong background in retail credit risk management within consumer or small business lending, especially unsecured and revolving products.
• Proven analytical skills with experience in data interrogation, monitoring, and early trend detection.
• Hands-on experience or understanding of scorecards and NPV models for credit decision strategies.
• Technical skills including SQL and preferably data visualization tools like Looker, PowerBI, or Tableau.
• Ability to communicate complex issues clearly to non-experts in written and verbal form.
• Self-starter mindset with impact-driven approach and ability to provide effective challenge while building strong relationships.

Culture & Benefits

• Flexible working hours with hybrid or fully remote options within the UK.
• Learning budget of £1,000 per year for books, training, and conferences.
• Inclusive and collaborative work environment focused on innovation and customer wellbeing.
• Competitive salary with stock options and comprehensive benefits.

Hiring process

• Recruiter call (30 minutes).
• Initial call (30 minutes).
• Take home task.
• Final stage with three interviews: case study, role-specific, and collaboration interviews.