This role can be based in London or Manchester and can be worked in a hybrid manner combining in-person collaboration within the office and remote/home working. Occasional travel is required between offices, but travel expenses are paid when travelling away from your contracted place of work. We are incredibly inclusive and open to most adaptations to working patterns, please get in touch to discuss your specific requirements.

Your day-to-day work will be a mix of longer-term strategic problems and solving immediate challenges at pace, which may include:

• Leverage credit risk expertise to support the business in making informed decisions and take responsibility for sharing credit risk knowledge across the organisation.
• Chair Credit Risk related committees presenting to the Executive Committee and Board members.
• Use loss forecasting and stress testing to guide strategic direction.
• Create and continuously evolve the governance and monitoring framework and develop long-term strategies for the team.
• Work closely with product, operations, commercials, and data teams to align on common goals and priorities that deliver the best outcomes for both the business and customers.
• Support product teams to deliver great outcomes, including guiding the team on execution or helping resolve stakeholder challenges.
• Understand the regulatory landscape to achieve balanced outcomes that align commercial goals, customer needs, and regulatory requirements.
• Provide day-to-day support and development to junior team members while effectively managing relationships with senior stakeholders.
• Work with Data Science to evolve bespoke risk assessments.
• Work with Operations to execute good customer outcomes.

About You:

• At least 8 years Credit Risk experience in a challenging, fast-paced environment (e.g. FinTech, banking), preferably in financial services.
• Ability to understand the technical side of the team (SQL and Python).
• Advanced knowledge of Credit Risk strategies and assessment.
• Problem-solving and analytical skills: you can quickly understand a new problem, identify key drivers behind specific outcomes, and develop a data-driven approach to impact outcomes.
• Product sense: you understand trade-offs between competing priorities and constraints and tend to make correct decisions despite uncertainty.
• Proven leader: you have led multiple teams and have coached junior colleagues.
• Excellent written and verbal communication: you can explain complex concepts to a non-specialist audience, presenting a clear, fact-based narrative, securing ExCo/Board buy-in.
• Interpersonal skills: you quickly build trust and personal relationships within and outside your team, know when to seek consensus or escalate a conflict depending on the situation.
• Understanding of areas such as technical platform and data interactions, Provisioning, Open Banking, and Underwriting would be advantageous.

Our Values

Our values are our personal brand and lay the foundation of what we care about the most. They provide us with guidance, so we can work towards the same goals. They are our DNA and are kept at the forefront of our Oodler’s mind when making business decisions.

• Embrace being human – empathy and diversity make us stronger.
• Strive for awesome – it’s awesome when we do better every day.
• Everyone’s a builder – we’re in this together and we win as a team.
• Bravely honest – we’re honest with ourselves and everyone else.
• Think customer – they’re at the heart of everything we do.

To find out more about our culture and what happens at Oodle check out our LinkedIn and Instagram.

Oodle is proud to be an inclusive workplace and we recognise diversity of experience, thoughts, and backgrounds leads to better customer outcomes and an environment where our colleagues can thrive. We have several DEI networks which are made up of our ‘Oodlers’ who strive to make positive impacts to our cultures.

We’d love if you could submit your application online, but if you need an alternative method or need reasonable adjustments to take part in the interview process, please email careers@oodlefinance.com.