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- Tasks: Lead credit risk frameworks and enhance credit card lending policies for a fintech company.
- Company: Dynamic fintech firm focused on innovation and growth in the credit card sector.
- Benefits: Attractive salary, flexible working options, and opportunities for professional development.
- Other info: Collaborative environment with strong focus on team development and career progression.
- Why this job: Shape the future of credit risk management and make a real impact in the fintech space.
- Qualifications: Bachelor’s degree in a quantitative field and 5+ years in retail credit products.
The predicted salary is between 80000 - 100000 £ per year.
Responsibilities
- Maintain and strengthen credit risk frameworks for credit card acquisition and portfolio oversight, ensuring compliance with regulatory and internal standards.
- Lead the creation, refinement, and implementation of credit card lending policies, decision rules, and risk controls, and identify opportunities for improvement.
- Partner with modelling and analytics teams to shape, validate, implement, and monitor credit risk models, reviewing key assumptions and performance trends.
- Perform detailed analysis of credit card portfolio behavior, including credit quality movements, delinquency and loss patterns, cohort trends, and emerging risks.
- Manage risk appetite settings and portfolio limits, including calibration, stress testing, monitoring potential breaches, and escalating issues.
- Provide risk perspectives on business strategies, product changes, underwriting proposals, and portfolio optimization initiatives.
- Produce clear, insight-driven risk reports and dashboards for senior leaders, summarising portfolio performance and key risk developments.
- Prepare materials and present at governance forums to communicate underwriting outcomes and evolving risk themes.
- Support and review the work of junior team members, contributing to team development and analytical quality.
- Champion process efficiency and automation to improve the accuracy and scalability of risk monitoring and reporting.
Requirements
- A bachelor’s degree or higher in a quantitative field such as statistics, mathematics, financial engineering, quantitative finance, or data analytics from a well-regarded institution.
- At least 5 years of hands‑on experience in retail credit products—particularly credit cards or unsecured lending—or related financial risk areas.
- Working knowledge of SQL or similar data-querying tools is beneficial.
- Exposure to additional analytics or business intelligence platforms is an added advantage.
- Understanding of key credit card risk methodologies, including scoring models, Basel frameworks, ECL concepts, and stress testing practices.
- Proven capability to independently perform complex analytical work and convert findings into clear, actionable risk insights.
- Strong interpersonal skills with the ability to challenge and influence stakeholders across business and product functions.
- Highly detail-focused, organized, and comfortable working in a fast-moving, structured environment.
- Excellent communication skills, both written and verbal.
Credit Risk Director (Fintech/Cards Product) in London employer: DCS CARD CENTRE PTE. LTD.
Contact Detail:
DCS CARD CENTRE PTE. LTD. Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Risk Director (Fintech/Cards Product) in London
✨Tip Number 1
Network like a pro! Reach out to people in the fintech space, especially those working with credit risk. A casual chat can lead to opportunities that aren’t even advertised yet.
✨Tip Number 2
Showcase your expertise! Prepare a portfolio of your past projects and analyses related to credit risk. This will help you stand out during interviews and demonstrate your hands-on experience.
✨Tip Number 3
Practice makes perfect! Conduct mock interviews with friends or mentors, focusing on common questions for credit risk roles. This will boost your confidence and help you articulate your thoughts clearly.
✨Tip Number 4
Don’t forget to apply through our website! We’re always on the lookout for talented individuals like you. Plus, it’s a great way to ensure your application gets the attention it deserves.
We think you need these skills to ace Credit Risk Director (Fintech/Cards Product) in London
Some tips for your application 🫡
Tailor Your CV: Make sure your CV speaks directly to the role of Credit Risk Director. Highlight your experience with credit card products and risk frameworks, and don’t forget to mention any relevant quantitative skills or tools you’ve used.
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you’re passionate about credit risk and how your background aligns with our needs. Be specific about your achievements in previous roles and how they relate to the responsibilities listed in the job description.
Showcase Your Analytical Skills: Since this role involves a lot of analysis, make sure to include examples of complex analytical work you've done. Whether it’s stress testing or portfolio analysis, we want to see how you’ve turned data into actionable insights.
Apply Through Our Website: We encourage you to apply through our website for a smoother process. It helps us keep track of your application and ensures you don’t miss out on any important updates from us!
How to prepare for a job interview at DCS CARD CENTRE PTE. LTD.
✨Know Your Numbers
Make sure you brush up on key metrics related to credit risk, especially those relevant to credit cards. Be ready to discuss your experience with portfolio behaviour analysis, delinquency rates, and loss patterns. This will show that you understand the intricacies of the role.
✨Showcase Your Analytical Skills
Prepare to demonstrate your analytical prowess by discussing specific projects where you've implemented credit risk models or refined lending policies. Use examples that highlight your ability to convert complex data into actionable insights, as this is crucial for the position.
✨Communicate Clearly
Since you'll be producing reports and presenting at governance forums, practice articulating your thoughts clearly and concisely. Consider preparing a mock presentation on a past project to showcase your communication skills and ability to summarise complex information for senior leaders.
✨Be Ready to Collaborate
This role involves partnering with various teams, so be prepared to discuss how you've successfully collaborated in the past. Highlight experiences where you've influenced stakeholders or worked with modelling and analytics teams to achieve common goals.