Credit Risk Manager (Fintech)

TL;DR

Credit Risk Manager (Fintech): Designing and owning the credit strategy for a new second charge mortgage product with an accent on risk scoring, pricing models, and automated decisioning. Focus on translating credit policy into executable rules and optimizing the balance between growth and portfolio quality.

Location: Hybrid (London, UK). Office attendance required Tuesday-Thursday; remote work allowed Monday and Friday.

Company

A profitable fintech unicorn building technology to help people get credit and save money.

What you will do

• Define credit policy and underwriting strategy for second charge mortgages, including affordability and decisioning frameworks.
• Develop and refine risk scoring, segmentation, and pricing models to balance volume with quality.
• Design automated decisioning logic and translate credit policy into executable rules for the platform.
• Collaborate with Capital Markets to inform funding strategy, LTV limits, and portfolio concentration.
• Monitor portfolio performance and report early indicators to senior stakeholders.
• Work cross-functionally with product, engineering, legal, and compliance teams.

Requirements

• Deep experience in secured lending credit risk (second charge mortgages, bridging, or BTL).
• Proven track record in building scorecards, pricing frameworks, or credit policy.
• Understanding of LTV covenants, property valuations, and investor criteria.
• SQL is required; Python experience is a plus.
• Working knowledge of MCOB and FCA requirements for second charge lending.
• Experience structuring underwriting policy as programmatic decision logic for scale.

Nice to have

• Experience with loan servicing, collections, and recoveries.
• Exposure to broker distribution models and intermediary channels.
• Background in startup or scale-up environments.
• Experience with decisioning platforms or rules engines.

Culture & Benefits

• Best-in-class compensation, including equity.
• Hybrid working model with remote days on Mondays and Fridays.
• In-house chefs providing fresh, healthy lunches in the office.
• Private health insurance coverage.
• Inclusive and open workspace based in London.