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For Companies At a Glance
- Tasks: Lead credit risk strategies and manage a high-performing team to optimise lending outcomes.
- Company: Join a fast-growing social FinTech transforming access to affordable credit in the UK.
- Benefits: Enjoy competitive salary, 25 days leave, hybrid working, and health perks.
- Why this job: Be part of a mission-driven company that values data and innovation for social impact.
- Qualifications: 8+ years in credit risk or fraud analytics; strong SQL skills and analytical mindset required.
- Other info: Diversity is celebrated here; all backgrounds are encouraged to apply.
The predicted salary is between 43200 - 72000 ÂŁ per year.
Base pay range: Add relevant base pay?
About Us
One-third of the UK\âs workingâage population is unable to access mainstream financial services. These individuals are excluded from affordable credit and underserved by traditional financial institutions. Our purpose is \âTo improve the nation\âs financial health through accessibility, affordability, and community\â. We are a fastâgrowing social FinTech company, empowering notâforâprofit Credit Unions in the UK with cuttingâedge technology. Our goal is to transform a select group of Community Lenders into a network of challenger banks that provide a viable alternative to highâcost lenders. With a team of over 200 people and more than 180,000 active customers, Amplifi is a dataâdriven business with strong ambitions and a proven platform. We are led by a senior team with decades of experience across institutions such as Credit Suisse, UBS, NatWest, Capital One, NewDay, and Barclays.
The RoleAs a Credit Risk Manager, you will play a pivotal role in shaping and executing credit risk strategies that balance growth, risk management, and customer outcomes. This handsâon role combines advanced analytics with leadership responsibilities, giving you the opportunity to manage a highâperforming team, influence business decisions, and drive strategic initiatives. You will work across multiple teams and directly contribute to the optimisation of underwriting, fraud prevention, responsible lending, and portfolio management for personal loans.
Responsibilities
Shape Strategy : Set the analytical agenda for the Credit Risk team to support overall business goals and deliver sustainable growth.
Drive Credit Risk Initiatives : Design and implement credit risk strategies and decision frameworks that optimise risk, cost, and growth.
Conduct DeepâDive Analysis : Identify opportunities to enhance efficiency, improve customer outcomes, and deliver measurable value.
Monitor Key Metrics : Ensure accurate monitoring of credit risk and fraudârelated metrics, identifying trends and recommending strategy adjustments.
Collaborate CrossâFunctionally : Partner with teams across data science, marketing, product, operations, and engineering to deliver bespoke risk solutions and ensure excellent customer outcomes.
Develop Talent : Hire, mentor, and lead a team of credit risk analysts, fostering a culture of excellence, collaboration, and continuous improvement.
Enhance Decision Frameworks : Drive the integration of new data sources and insights into underwriting, fraud, responsible lending, and collection strategies.
Influence Stakeholders : Present key analyses, findings, and recommendations to senior management, Credit Union partners, and external stakeholders.
Stay Ahead of Trends : Keep abreast of industry developments, fraud prevention techniques, and regulatory changes, ensuring that strategies remain relevant and effective.
RequirementsWe are looking for someone who thrives in a dynamic, highâgrowth environment and has a passion for data, analytics, and credit risk management.
8+ years of experience in credit risk, fraud analytics, or a related field, ideally within retail unsecured consumer lending (loans or credit cards).
Direct experience designing and implementing credit risk decisioning frameworks, strategies, and affordability assessments.
Strong proficiency in SQL for querying and analysing large datasets; experience with Python or R is a plus.
Advanced Excel skills, including expertise in complex formulas, pivot tables, and data analysis tools.
A strong foundation in probability and statistics, including experience with A/B testing and advanced analytical methods.
Inâdepth knowledge of UK bureau data (e.g., Experian, Equifax, TransUnion) and familiarity with fraud detection techniques, alternative data sources, and collections solutions.
An understanding of how marketing and distribution channels impact credit and profitability performance.
A good grasp of the regulatory landscape, with the ability to align commercial objectives with compliance requirements.
Excellent communication and interpersonal skills, capable of articulating insights and recommendations to technical and nonâtechnical audiences.
A degree in a numerate discipline (e.g., Mathematics, Statistics, Economics, or STEM) or equivalent practical experience.
Also Desirable
Experience with credit scoring models and decision systems.
Modelling experience within financial services.
Experience working in a scaleâup or highâgrowth environment.
Benefits
Competitive salary
25 days annual leave
Pension
Death in Service Provision
Private health insurance
Subsidised childcare
Subsidised gym membership
Hybrid working (2 days from home)
CommitmentWe are committed to equality of opportunity for all staff and actively encourage applications from individuals regardless of age, disability, sex, gender reassignment, sexual orientation, pregnancy and maternity, race, religion or belief, and marriage and civil partnerships.
All offers of employment are conditional upon satisfactory preâemployment checks, including a DBS check, a credit check and employment references.
Seniority levelMidâSenior level
Employment typeFullâtime
Job functionFinance and Sales
Referral incentives: Referrals increase your chances of interviewing at Amplifi Capital by 2x.
Location: London, England, United Kingdom
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Credit Risk Manager employer: Amplifi Capital
Contact Detail:
Amplifi Capital Recruiting Team
StudySmarter Expert Advice đ¤Ť
We think this is how you could land Credit Risk Manager
â¨Tip Number 1
Familiarise yourself with the latest trends in credit risk management and fintech. Understanding the current landscape will help you speak confidently about how your skills align with our mission at Amplifi.
â¨Tip Number 2
Network with professionals in the fintech and credit risk sectors. Attend industry events or webinars to connect with potential colleagues and gain insights that could be beneficial during interviews.
â¨Tip Number 3
Brush up on your SQL and analytical skills, as these are crucial for the role. Consider working on personal projects or case studies that demonstrate your ability to analyse large datasets effectively.
â¨Tip Number 4
Prepare to discuss your experience with credit risk decisioning frameworks in detail. Be ready to share specific examples of how you've implemented strategies that balance risk and growth in previous roles.
We think you need these skills to ace Credit Risk Manager
Some tips for your application đŤĄ
Tailor Your CV: Make sure your CV highlights relevant experience in credit risk management, analytics, and leadership. Use specific examples that demonstrate your ability to shape strategies and drive initiatives, as outlined in the job description.
Craft a Compelling Cover Letter: In your cover letter, express your passion for improving financial health and accessibility. Discuss how your background aligns with Amplifi's mission and how you can contribute to their goals, particularly in data-driven decision-making.
Highlight Technical Skills: Emphasise your proficiency in SQL, Excel, and any experience with Python or R. Mention your familiarity with UK bureau data and fraud detection techniques, as these are crucial for the role of Credit Risk Manager.
Showcase Leadership Experience: Detail your experience in managing teams and developing talent. Provide examples of how you've fostered a culture of excellence and collaboration, which is essential for the role at Amplifi.
How to prepare for a job interview at Amplifi Capital
â¨Showcase Your Analytical Skills
As a Credit Risk Manager, your ability to analyse data is crucial. Be prepared to discuss specific examples of how you've used data analytics to shape credit risk strategies in your previous roles. Highlight any experience with SQL, Python, or R, as well as your proficiency in Excel.
â¨Understand the Regulatory Landscape
Familiarise yourself with the current regulations affecting credit risk management in the UK. Be ready to discuss how you can align commercial objectives with compliance requirements, demonstrating your understanding of the balance between risk and profitability.
â¨Demonstrate Leadership Experience
This role involves managing a team, so be sure to highlight your leadership experience. Share examples of how you've mentored or developed talent in your previous positions, and discuss your approach to fostering a culture of excellence and collaboration.
â¨Prepare for Cross-Functional Collaboration
The role requires working closely with various teams. Think of examples where you've successfully collaborated with data science, marketing, or operations teams to deliver effective risk solutions. Emphasise your communication skills and ability to articulate insights to both technical and non-technical audiences.
