At a Glance
- Tasks: Lead credit strategy and underwriting team to drive growth across global markets.
- Company: Join an award-winning fintech recognised for its supportive and diverse workplace.
- Benefits: Enjoy competitive compensation, bonuses, and career growth opportunities in a high-growth environment.
- Other info: Be part of a dynamic team in a rapidly growing company with massive global opportunities.
- Why this job: Make a real impact in a fast-paced role while developing your leadership skills.
- Qualifications: 5+ years in credit risk or related fields with strong analytical and communication skills.
The predicted salary is between 80000 - 100000 £ per year.
We are seeking a Senior Credit Risk Manager to oversee and drive the next phase of growth across our global business based out of our London headquarters.
In this role, you will lead the Credit Strategy and underwriting team, owning, developing and innovating our credit strategy 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, Decision Science, Compliance, and Commercial teams to strengthen credit policies, optimise decisioning frameworks, and drive continuous improvements in portfolio performance.
This role requires deep credit risk expertise and an ability to thrive in a fast-paced environment. Outstanding interpersonal skills will be required both to lead the team and collaborate with business partners and senior management. You will be empowered to manage and be accountable for team performance, underwriting quality, operational efficiency, and the delivery of key risk outcomes across all of our UK, US, EU and future markets.
Key Responsibilities- Overall market Credit Risk
- Ownership of the Credit Strategy for all of our current (UK, US, EU) and future geographic markets
- Directly contribute to delivery of business KPIs as part of the wider management team (e.g. growth, profitability, loss rate etc.)
- Collaborate with broader leadership teams across all geographic markets driving strategic alignment, initiative prioritisation and sharing of toolkit, insights, emergent risks and best practice to achieve shared global targets
- Credit strategy development and innovation
- Ownership and delivery of the Global Credit Strategy development and innovation roadmap socialised and agreed with business partners and senior leadership
- Continuous development and innovation of our Credit Strategy to maintain a market leading strategic capability
- Close collaboration with capital markets, product, tech, legal, compliance and operational teams to ensure strategic alignment, regulatory compliance and an integrated customer proposition
- Portfolio performance monitoring and management
- Monitor portfolio performance, identifying trends in credit quality, losses, and early risk indicators
- Lead the presentation of risk reporting and insights to senior management including preparing for and leading Credit Committee discussions
- Recommend actions to mitigate emerging risks and optimise portfolio outcomes
- Team Leadership & Management
- Lead, manage, mentor, and develop a talented and ambitious team of credit risk analysts and underwriters
- Recruit for and develop the team in line with our culture and values creating a tenured, talented and recognised centre of Credit Risk excellence
- Governance, Compliance and Quality Assurance
- Be accountable for the ownership and maintenance of the Risk Governance Framework including Credit Risk Policy and Process documentation in relation to all markets and associated regulatory requirements
- Oversee credit underwriting and risk assessment processes to ensure consistent application of credit policies and risk appetite including calling out issues and collaborating with 2nd line Quality Assurance teams
- Review complex or escalated cases and provide guidance on structured risk decisions
- 5+ years of experience in credit risk, underwriting, or a related risk management function within financial services, fintech, lending, or commercial credit
- Strong understanding of credit underwriting principles, data science model application, risk appetite frameworks, and portfolio risk management
- Outstanding quantitative and deductive reasoning skills; quickly able to identify insights in complex multi-dimensional data sets and autonomously develop and pursue solutions
- Strong written and verbal communication skills, including the ability to explain risk concepts to non-technical audiences
- Proven ability to lead teams, recruit and develop talent, drive accountability, and influence cross-functional stakeholders
- Ability to evaluate financial statements, cash flow, and credit data to inform structured risk decisions
- Highly organized and comfortable managing multiple priorities in a fast-paced, growth-oriented environment
- Experience in SME Lending
- Familiarity with EU and US lending regulations and compliance requirements
- Experience working across multiple international markets
Award-Winning Workplace: YouLend has been recognised as one of the “Best Places to Work in 2024 and 2025” by the Sunday Times for being a supportive, diverse, and rewarding workplace.
Award-Winning Fintech: YouLend has been recognised as a “Top 250 Fintech Worldwide” company by CNBC.
It’s just getting fun: We have developed powerful solutions, won some significant partnerships, and are growing at a rapid pace. But the global opportunity is still massive, and YouLend is a raw organisation where we are only just getting started.
Lots of upsides: High-growth (>100% growth during 2022 and 2023), so clear outlook to compensation (bonus or share option appreciation) and career growth (through growth with business). Well-capitalised with supportive private equity backing. Part of Banking Circle Group with a fully licensed Luxembourg.
Senior Credit Risk Manager – All Global Markets in London employer: YouLend Limited
YouLend is an award-winning fintech company based in London, recognised as one of the 'Best Places to Work' for its supportive and diverse work culture. Employees benefit from a high-growth environment with clear opportunities for career advancement, competitive compensation, and the chance to lead innovative credit strategies across global markets. Join a dynamic team where your expertise will drive impactful decisions and contribute to the company's exciting journey ahead.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Credit Risk Manager – All Global Markets in London
✨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 YouLend Limited. 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 Senior Credit Risk Manager – All Global Markets in London
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 YouLend Limited.
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 YouLend Limited'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 YouLend Limited
✨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 YouLend Limited.
✨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 YouLend Limited 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 YouLend Limited 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.
