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- Tasks: Lead a team in credit risk management and ensure high-quality credit decisions.
- Company: Dynamic financial services firm with a focus on growth and innovation.
- Benefits: Competitive salary, professional development, and a collaborative work environment.
- Other info: Opportunity for career advancement in a fast-paced industry.
- Why this job: Make a real impact in credit risk while leading a talented team.
- Qualifications: 5+ years in credit risk and 2+ years in team leadership required.
The predicted salary is between 80000 - 100000 £ per year.
We are seeking a Credit Risk Lead to support the continued growth and oversight of our credit risk function as we scale across the US and international markets.
In this role, you will lead the day-to-day operations of the credit risk and underwriting team, ensuring consistent, high-quality credit decisions aligned with the company’s risk appetite and regulatory obligations. You will partner closely with senior risk leadership, Product, Data, Compliance, and Commercial teams to strengthen credit policies, optimize decisioning frameworks, and maintain strong portfolio performance. This role requires deep credit risk expertise combined with proven people management experience. You will be accountable for team performance, underwriting quality, operational efficiency, and the delivery of key risk outcomes.
Key Responsibilities- Team Leadership & Management
- Lead, mentor, and develop a team of credit risk analysts and underwriters.
- Manage performance, workload allocation, hiring, and professional development.
- Foster a culture of accountability, sound judgment, and continuous improvement.
- Credit Risk & Underwriting Oversight
- Oversee credit underwriting and risk assessment processes to ensure consistent application of credit policies and risk appetite.
- Review complex or escalated cases and provide guidance on structured risk decisions.
- Ensure adherence to internal controls and applicable federal and state regulations.
- Policy & Framework Development
- Support the development, implementation, and enhancement of credit risk policies, underwriting standards, and operating procedures.
- Contribute to risk governance frameworks and documentation aligned with US regulatory expectations.
- Portfolio Monitoring & Reporting
- Monitor portfolio performance, identifying trends in credit quality, losses, and early risk indicators.
- Prepare and present risk reporting and insights to senior management.
- Recommend actions to mitigate emerging risks and optimise portfolio outcomes.
- Cross-Functional Partnership
- Collaborate with Product, Finance, Compliance, Legal and Capital Markets teams to align credit strategy with growth initiatives.
- Provide risk input on new products, market expansion, and strategic initiatives.
- Process Optimisation & Controls
- Drive continuous improvement in underwriting workflows, automation, and risk controls.
- Strengthen quality assurance practices to ensure decision accuracy and policy compliance.
- Training & Capability Building
- Deliver coaching and structured development opportunities for team members.
- Promote knowledge sharing and risk education across the business.
Skills, Knowledge and Expertise
- 5+ years of experience in credit risk, underwriting, or a related risk management function.
- 2+ years of direct people management or team leadership experience.
Credit Risk Lead - US Market in London employer: YouLend Limited
Contact Detail:
YouLend Limited Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Risk Lead - US Market in London
✨Tip Number 1
Network like a pro! Reach out to your connections in the credit risk field and let them know you're on the hunt for a new role. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for interviews by brushing up on your credit risk knowledge and management skills. Be ready to discuss your experience leading teams and making tough credit decisions. Show them you’re the perfect fit for the Credit Risk Lead role!
✨Tip Number 3
Don’t just apply anywhere—focus on companies that align with your values and career goals. Check out our website for openings that match your expertise in credit risk and underwriting. We want to see you thrive!
✨Tip Number 4
Follow up after interviews! A quick thank-you email can go a long way in keeping you top of mind. Mention something specific from your conversation to show your genuine interest in the role and the company.
We think you need these skills to ace Credit Risk Lead - US Market in London
Some tips for your application 🫡
Tailor Your CV: Make sure your CV speaks directly to the role of Credit Risk Lead. Highlight your experience in credit risk and people management, and don’t forget to mention any relevant achievements that align with our needs.
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you’re the perfect fit for this role. Share specific examples of how you've led teams and improved credit processes in the past.
Showcase Your Team Leadership Skills: Since this role involves leading a team, make sure to emphasise your leadership style and any successful projects you've managed. We want to see how you foster accountability and continuous improvement!
Apply Through Our Website: We encourage you to apply through our website for a smoother application process. It’s the best way for us to receive your application and get to know you better!
How to prepare for a job interview at YouLend Limited
✨Know Your Credit Risk Stuff
Make sure you brush up on your credit risk knowledge before the interview. Understand the key concepts, regulations, and trends in the US market. Being able to discuss these topics confidently will show that you're not just familiar with the basics but are genuinely passionate about the field.
✨Showcase Your Leadership Skills
Since this role involves leading a team, be prepared to share specific examples of how you've successfully managed and developed teams in the past. Highlight your approach to mentoring and fostering a culture of accountability, as this will resonate well with the interviewers.
✨Prepare for Scenario Questions
Expect to face scenario-based questions that assess your decision-making skills in credit risk situations. Think of complex cases you've handled before and be ready to explain your thought process, the actions you took, and the outcomes. This will demonstrate your ability to navigate challenging situations effectively.
✨Collaborate and Communicate
This role requires cross-functional collaboration, so be ready to discuss how you've worked with other departments in the past. Share examples of how you’ve partnered with teams like Product, Compliance, or Finance to align strategies and achieve common goals. Strong communication skills are key!