Senior Credit Risk Manager – All Global Markets

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 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.

Skills, Knowledge and Expertise Required

• 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.

Desirable Skills, Knowledge and Expertise

• Experience in SME Lending.
• Familiarity with EU and US lending regulations and compliance requirements.
• Experience working across multiple international markets.

Benefits

• 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.
• 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 bank, which can provide a balance sheet and support European expansion in otherwise complex regulated markets.
• Motivating work environment: A high-quality team that pushes each other to succeed through direct feedback and aligned incentive.
• Strong and transparent team culture, we have each other’s backs.
• Independent work environment where results matter.
• Data-driven culture and emphasis on speed (anti-red tape).

We offer a comprehensive benefits package that includes:

• Stock Options.
• Private Medical insurance via Vitality and Dental Insurance with BUPA.
• Employee Assistance Program with Health Assured.
• Enhanced Maternity and Paternity Leave.
• Modern and sophisticated office space in Central London.
• Free Gym in office building in Holborn.
• Subsidised Lunch via Feedr.
• Deliveroo Allowance if working late in office.
• Monthly in office Masseuse.
• Team and Company Socials.
• Football Power League / Paddle and Yoga Club.

At YouLend, we champion diversity and embrace equal opportunity employment practices. Our hiring, transfer, and promotion decisions are exclusively based on qualifications, merit, and business requirements, free from any discrimination based on race, gender, age, disability, religion, nationality, or any other protected basis under applicable law.