At a Glance
- Tasks: Lead credit risk and pricing strategies to drive growth in a high-growth fintech.
- Company: Dynamic fintech company revolutionising embedded finance with data-driven solutions.
- Benefits: Competitive salary, bonuses, equity options, and hybrid working model.
- Other info: High ownership, visibility, and long-term career progression opportunities.
- Why this job: Shape the future of credit decisioning and make a real impact in a growing organisation.
- Qualifications: Strong experience in credit strategy, analytical skills, and proficiency in SQL or Python.
The predicted salary is between 60000 - 80000 £ per year.
This is a senior opportunity to shape how a high‑growth fintech business makes credit decisions at scale. Sitting at the intersection of credit risk, analytics, and commercial strategy, this role offers the chance to influence both immediate performance and long‑term platform capability. You will combine hands‑on analytical work with strategic ownership, driving real impact across multiple products and markets.
The Company
They are a scaling fintech business operating in the embedded finance space, partnering with digital platforms to deliver tailored funding solutions. Their model is data‑led, combining multiple data sources to inform smarter credit decisioning and product design. With international operations and strong backing, they are entering a new phase focused on scalable growth, product innovation, and optimising portfolio performance.
The Role
- Own and optimise credit and commercial strategy across a key product or portfolio area
- Drive yield performance by balancing risk, pricing, and approval rates
- Develop scalable pricing, decisioning, and unit economics frameworks
- Analyse portfolio performance to identify incremental opportunities for growth and profitability
- Support new product and partner launches, then build frameworks to scale performance over time
- Work closely with credit risk, product, engineering, and analytics teams to embed strategy into decisioning systems
- Contribute to the development of credit models, pricing approaches, and policy frameworks
- Translate complex data into clear, actionable insights for senior stakeholders
- Remain hands‑on with data using SQL, Python, or similar tools
Your Skills and Experience
- Strong commercial experience within credit strategy in a lending or financial services environment
- Proven ability to balance risk and profitability in a data‑driven setting
- Experience working with pricing, decisioning, or unit economics frameworks
- Highly analytical, with hands‑on capability in SQL, Python, or similar tools
- Ability to solve complex problems from first principles
- Comfortable operating across both strategic and execution‑focused work
- Strong communication skills, with the ability to influence senior stakeholders
What They Offer
- Competitive salary with bonus and potential equity
- Hybrid working in a London office
- High level of ownership and visibility across the business
- Opportunity to shape scalable credit decisioning in a growing organisation
- Long‑term career progression as the business continues to expand
Head of/Senior Manager - Credit Risk and Pricing employer: Harnham
Join a leading UK-based media organisation at the forefront of digital transformation, where your role as Director of Streaming Product and Growth will be pivotal in shaping the future of their subscription services. With a strong emphasis on innovation and a collaborative work culture, you'll have access to significant growth opportunities, competitive salary packages, and a performance-based bonus structure, all while working in a dynamic environment that values data-driven decision making and customer-centric strategies.
StudySmarter Expert Advice🤫
We think this is how you could land Head of/Senior Manager - Credit Risk and Pricing
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Harnham. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Head of/Senior Manager - Credit Risk and Pricing
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Harnham.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Harnham's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Harnham
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Harnham.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Harnham will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Harnham employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
