Credit Risk Manager at Profitable UK Fintech Unicorn

Lead credit strategy for a high-growth fintech that has rebuilt consumer finance from the ground up. You will own end-to-end decisioning for loans, credit cards, or car finance products. This hands-on role involves using Python and SQL to derive insights, design experiments, and drive material impact across UK and US markets.

• Define and refine credit strategies for lending products, determining who to lend to, at what price, and in what volume to optimize portfolio returns.
• Perform deep-dive analysis using Python and SQL to identify growth opportunities and assess portfolio performance against external economic conditions.
• Mentor and develop junior analysts while collaborating cross-functionally with Engineering and Product teams to implement automated, machine-learning-driven credit models.

• Approximately 5+ years of experience in credit risk or analytics at a data-driven consumer lender, with a strong track record of career progression.
• Exceptional technical proficiency with daily hands-on experience in Python and SQL; you prefer building tools and models over delegating data work.
• Quantitative academic background (STEM or similar) from a top-tier university with a strategic mindset capable of translating complex data into commercial results.

• Join a rare profitable unicorn backed by top-tier investors like Goldman Sachs and Balderton Capital, currently expanding into the massive US and Mexico markets.
• High-autonomy environment with a low-bureaucracy culture where you work alongside elite alumni from Oxford, Imperial, and leading fintechs like Zopa and Capital One.
• Influence the strategic direction of a company with market-leading customer satisfaction (4.9 Trustpilot) and a proven track record of scaling consumer finance products.