Credit Risk Director at Amplifi Capital - London, England, United Kingdom

About Us

One-third of the UK's working-age population is unable to access mainstream financial services. These individuals are excluded from affordable credit and underserved by traditional financial institutions. Our purpose is "To improve the nation's financial health through accessibility, affordability, and community." Amplifi Capital is a fast-growing social FinTech, empowering not-for-profit Credit Unions in the UK with state-of-the-art technology and credit capabilities. We aim to grow a network of Community Lenders into viable challengers to high cost lenders, creating affordable alternatives at scale. With a team of over 200 people and more than 180,000 active customers, Amplifi is a data-driven 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, CapitalOne, NewDay and Barclays.

The Role

The Credit Risk Director / Chief Credit Officer is a core member of the executive leadership team, responsible for shaping and driving the company's credit risk strategy across the customer lifecycle. This role brings together ownership of credit strategy, risk modelling, data science, collections, and the risk MI and reporting infrastructure. This is not a role of simple oversight. The successful candidate will proactively embed credit risk considerations into the design of new business strategies, product development, funding solutions, and commercial growth plans. They will ensure credit risk is a driver of strategic decision making, rather than just a control point or approver of fully formed proposals. A critical aspect of the role is leading a high calibre team of analytical talent, cultivating an environment of innovation, collaboration, and continuous development to drive excellence across all credit risk and analytics initiatives. The Credit Risk Director / CCO will sit on the Executive Committee (ExCo), and should expect to engage with the Board, regulators, external partners, credit unions, and investors as the company's credit risk lead.

Responsibilities

• Actively shape new business and product strategies to ensure credit risk and risk reward trade offs are fully considered at inception, not just at approval.
• Own Amplifi's credit risk strategy, responsible lending frameworks, and risk appetite alignment.
• Provide thought leadership on advances in credit risk assessments, new industry trends, data sources and products, highlighting risks and opportunities for data driven growth.
• Actively contribute to executive decision making as a member of ExCo, and present to Board and Risk Committee as required.
• Serve as the firm's primary credit risk contact for regulators, investors, and strategic partners.
• Design and maintain a scalable, compliant governance framework for credit risk and decisioning, including model governance and monitoring.
• Lead the development and deployment of acquisition, affordability, customer management, collections, and fraud strategies across the lending lifecycle and across multiple channels, balancing growth and risk.
• Oversee the creation and lifecycle management of advanced predictive models and automated decision frameworks for underwriting, customer management, collections, and fraud.
• Champion data led innovation, bringing in new data sources (e.g. Open Banking) and machine learning techniques to support lending growth and automation.
• Lead the production of portfolio level reporting and MI, with clear accountability for credit performance, pound loss curves, and key risk indicators.
• Own the development of strategic forecasting and portfolio performance monitoring, including stress testing, scenario analysis, and long term forecasting of defaults and losses.
• Support the monitoring of financial covenants and key commercial metrics linked to funding structures, including external investor agreements.
• Lead and mentor a high performing, cross functional risk team, encompassing data, analytics, modelling and offshore MI capabilities.
• Define and manage key performance indicators across credit performance, risk exposure, operational impact, and strategic projects.
• Ensure timely and effective delivery of internal and external MI.
• Foster a collaborative environment with pricing, product, marketing, commercial and operational teams to ensure credit considerations are integrated across the business.

Qualifications

To succeed in this role, you will need:

• 15+ years' experience in credit risk management, data science, analytics, including senior roles in consumer lending or fintech.
• A strong record of strategic leadership within credit, with responsibility for decisioning frameworks, risk policy, and portfolio performance.
• Proven track record of embedding credit risk into strategic design, not just providing downstream approval.
• Expertise in credit modelling, scorecard development, and deployment of decision systems.
• Experience managing credit acquisition, in life, and collections strategies.
• A deep understanding of UK consumer credit regulation (including affordability and responsible lending) and comfort engaging with regulators.
• In depth experience with traditional UK consumer credit data (e.g. Experian, Equifax, TransUnion) and solid understanding of alternative data sources (e.g. Open Banking, behavioural data).
• Strong technical literacy (SQL essential; Python or R desirable) to lead a technical team and challenge complex analysis.
• Proven ability to present to Board level stakeholders, write formal papers, and lead risk discussions with confidence and clarity.
• Excellent interpersonal and leadership skills with a track record of developing and inspiring diverse, high performing teams.

Also Desirable

• Direct experience of credit risk management applied to Unsecured Personal Loans and originated through digital channels (e.g. aggregators).
• Prior ExCo or Board Committee membership.
• Experience working with funding structures, covenant monitoring, and investor reporting.
• Background in a regulated high growth or scale up fintech.
• Familiarity with machine learning techniques and their application in credit risk modelling.

Commitment

We are committed to equality of opportunity for all staff and applications from individuals are encouraged regardless of age, disability, sex, gender reassignment, sexual orientation, pregnancy and maternity, race, religion or belief and marriage and civil partnerships. Please note that all offers of employment are conditional on us obtaining satisfactory pre employment checks, including a DBS check, a credit check and employment references.