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For Companies At a Glance
- Tasks: Lead credit risk initiatives and manage a team of 10 in a fintech environment.
- Company: Join an innovative fintech offering unsecured lending solutions to diverse consumers.
- Benefits: Enjoy a competitive salary, hybrid work, 25 days holiday, private healthcare, and a pension scheme.
- Why this job: Make a high-impact contribution in a fast-paced, collaborative culture focused on data-driven growth.
- Qualifications: Must have 1st line credit risk experience and proficiency in SQL; fintech experience preferred.
- Other info: This role reports directly to the Chief Risk Officer.
The predicted salary is between 96000 - 224000 £ per year.
DIRECTOR OF CREDIT RISK
UP TO £180,000
LONDON
A top FinTech in the UK that Harnham have been partnered with for a few years now are on the search for a Director for the credit risk function. This position is a great opportunity to join a fast paced business in a wide scoping role covering both strategy and credit modelling.
THE COMPANY
This FinTech focus in the unsecured lending space under a few different portfolios and brands. They are ready to drive forward the business and scale their lending moving forward which is why they need a Director to oversee the credit strategy and modelling teams.
THE ROLE
You can expect to be involved in the following day to day:
- Cultivate and manage a high-achieving team by mentoring and supporting members in skill enhancement and career progression.
- Oversee the creation and execution of credit policies and responsible lending strategies, ensuring they support business growth while adhering to regulatory standards.
- Drive the development, deployment, and maintenance of sophisticated credit risk models, blending traditional methodologies with machine learning to refine underwriting, pricing, and portfolio management.
- Monitor portfolio performance, identify risks and opportunities, and deliver actionable insights to improve credit policies and customer experiences.
- Provide forward-thinking guidance on innovations in credit risk evaluation, emerging industry trends, and new data sources or products, identifying risks and opportunities for data-driven growth.
- Develop and uphold governance frameworks to ensure alignment with regulatory standards and internal risk management protocols.
- Work closely with teams across pricing, product development, operations, marketing, and engineering to implement data-driven solutions that balance growth with effective risk management.
- Present strategic insights and recommendations to executives, board members, credit unions, and external stakeholders to achieve alignment on critical initiatives.
SKILLS AND EXPERIENCE
- Experience working in consumer sub or near prime credit risk ideal
- Experience in unsecured lending
- Experience with both scorecards/credit modelling and credit strategy
HOW TO APPLY
Please register your interest by sending your CV to Shane McWilliams via the Apply link on this page.
Director of Credit Risk employer: Harnham
Contact Detail:
Harnham Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Director of Credit Risk
✨Tip Number 1
Make sure to showcase your leadership experience in credit risk management. Highlight any initiatives you've led that improved credit risk frameworks or strategies, as this role is all about high-impact leadership.
✨Tip Number 2
Familiarize yourself with the latest trends in credit risk assessments and machine learning techniques. Being able to discuss recent advancements will demonstrate your strategic foresight and thought leadership during the interview.
✨Tip Number 3
Prepare examples of how you've collaborated with cross-functional teams in previous roles. This position requires working closely with marketing, pricing, operations, and engineering, so showing your collaborative skills will be key.
✨Tip Number 4
Brush up on your SQL skills and be ready to discuss how you've used data analytics in your past roles. Since proficiency in SQL is required, demonstrating your ability to leverage data for decision-making will set you apart.
We think you need these skills to ace Director of Credit Risk
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your 1st line credit risk experience and any relevant unsecured consumer lending experience, especially in a fintech environment. Use specific examples to demonstrate your proficiency in SQL and any experience with Python.
Craft a Compelling Cover Letter: In your cover letter, emphasize your leadership skills and experience managing teams. Discuss your strategic foresight in credit risk assessments and how you can contribute to the company's goals.
Showcase Relevant Projects: If you've worked on credit risk models or decision models (scorecards), be sure to include these projects in your application. Detail your role and the impact of your work on previous organizations.
Highlight Collaboration Skills: Since the role involves working with various teams, mention any past experiences where you collaborated across departments like marketing, pricing, or engineering. This will show your ability to foster a collaborative work environment.
How to prepare for a job interview at Harnham
✨Showcase Your Leadership Skills
As a Director of Credit Risk, you'll be leading a team and driving initiatives. Be prepared to discuss your leadership style, how you manage teams, and examples of successful projects you've led in the past.
✨Demonstrate Your Technical Expertise
Make sure to highlight your experience with credit risk models and machine learning techniques. Be ready to discuss specific tools and methodologies you've used, especially in SQL and any experience with Python.
✨Understand the Fintech Landscape
Familiarize yourself with current trends in fintech and unsecured lending. Be prepared to discuss how these trends impact credit risk management and how you can leverage them for data-driven growth.
✨Prepare for Strategic Discussions
Since this role involves providing strategic foresight, think about potential risks and opportunities in credit risk assessments. Prepare to share your insights on how to enhance frameworks and strategies within the company.
