Credit Risk Manager (Flex Originations)

TL;DR

Credit Risk Manager (Flex Originations): Building and scaling credit, pricing, and distribution strategies for Flex credit card market expansion with an accent on real-time decisioning, underwriting frameworks, and lending economics. Focus on designing risk architectures for complex promotional offers and dynamic pricing, leading a team of analysts, and translating credit data into executive-ready insights.

Location: Cardiff, London or Remote (UK)

Salary: £100,000 - £130,000 + Incentive Awards tied to performance

Company

hirify.global is a UK fintech building modern banking products and data-driven lending decisions.

What you will do

• Develop and execute credit risk frameworks for new and expanding acquisition channels (aggregators, paid marketing, referral networks).
• Design, test, and deploy underwriting and real-time decisioning strategies that balance low-friction onboarding with robust risk management.
• Own risk architecture for product and pricing economics, including promotional 0% offers and dynamic pricing structures.
• Oversee or partner on credit risk valuations and affordability strategies (including NPV modeling) to ground decisions in optimized lending economics.
• Lead and scale a lean team of analysts, hiring and developing talent as origination streams grow.
• Partner cross-functionally (product, marketing, fraud, machine learning, and the wider Flex credit ecosystem) and provide performance tracking for senior leadership.

Requirements

• Location: Must be based in the UK (Cardiff/London or remote within the UK).
• Extensive experience in unsecured lending, ideally with a background in credit cards.
• Deep understanding of lending economics, including risk-based pricing, promotional lending constructs, and underwriting strategies.
• Proven ability to drive growth through varied distribution networks (e.g., aggregators and digital marketing channels) and manage their risk profiles.
• Strong stakeholder management across product, marketing, fraud, and machine learning.
• SQL is a must-have; Python and Looker experience are required/strongly expected.

Culture & Benefits

• Flexible working hours with trust to work enough hours to do the job well.
• Distributed working within the UK is supported, with ad hoc in-person meetings in London.
• Learning budget of £1,000 per year for books, training courses, and conferences.
• Visa sponsorship available and support to relocate to the UK.
• 3-stage interview process (recruiter call, hiring manager call, final stakeholder loop) with no trick questions.