💼 About This Role

You'll lead credit risk reporting and support the CRO in managing product risk across multiple products, channels, and geographies. Your core impact is ensuring accurate, decision-useful credit risk MI that scales with the business. This hands-on role spans traditional credit risk and new product risks like Section 75 exposure.

🎯 What You'll Do

• Own completeness and accuracy of credit risk MI across the business.
• Define and maintain standardised credit risk reporting frameworks and metrics.
• Coordinate inputs from product, underwriting, and data science teams into a coherent risk narrative.
• Provide structured credit risk updates to Product Steering Committees and Monthly Product Forums.

📋 Requirements

• ~5 years experience in a numerate, analytical, or risk-focused role.
• Experience with consumer lending products such as Unsecured Personal Loans, BNPL, Mortgages, or Auto finance.
• Experience producing, reviewing, or owning MI in a multi-product or multi-channel environment.
• Familiarity with credit risk performance metrics, portfolio monitoring, and concentration analysis.

✨ Nice to Have

• Experience working with internal risk limits or external covenants.
• Strong written and verbal communication skills for senior audiences.
• Comfort working closely with data scientists.

🎁 Benefits & Perks

• 📈 Equity – everyone owns a piece of the company.
• 🏋️ Free gym membership.
• 🏖️ 25 days holiday + 8 bank holidays.
• 🧘 Team wellness budget – yoga, tennis, bouldering.
• 💰 Employee loan.