Harnham
Head of/Senior Manager - Credit Risk and Pricing
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Head of/Senior Manager - Credit and Pricing
London (Hybrid, 3 days in office)
This is a senior opportunity to shape how a high-growth fintech business makes credit decisions at scale. Sitting at the intersection of credit risk, analytics, and commercial strategy, this role offers the chance to influence both immediate performance and long-term platform capability. You will combine hands-on analytical work with strategic ownership, driving real impact across multiple products and markets.
The Company
They are a scaling fintech business operating in the embedded finance space, partnering with digital platforms to deliver tailored funding solutions. Their model is data-led, combining multiple data sources to inform smarter credit decisioning and product design. With international operations and strong backing, they are entering a new phase focused on scalable growth, product innovation, and optimising portfolio performance.
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The Role
- Own and optimise credit and commercial strategy across a key product or portfolio area
- Drive yield performance by balancing risk, pricing, and approval rates
- Develop scalable pricing, decisioning, and unit economics frameworks
- Analyse portfolio performance to identify incremental opportunities for growth and profitability
- Support new product and partner launches, then build frameworks to scale performance over time
- Work closely with credit risk, product, engineering, and analytics teams to embed strategy into decisioning systems
- Contribute to the development of credit models, pricing approaches, and policy frameworks
- Translate complex data into clear, actionable insights for senior stakeholders
- Remain hands-on with data using SQL, Python, or similar tools
Your Skills and Experience
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- Strong commercial experience within credit strategy in a lending or financial services environment
- Proven ability to balance risk and profitability in a data-driven setting
- Experience working with pricing, decisioning, or unit economics frameworks
- Highly analytical, with hands-on capability in SQL, Python, or similar tools
- Ability to solve complex problems from first principles
- Comfortable operating across both strategic and execution-focused work
- Strong communication skills, with the ability to influence senior stakeholders
What They Offer
- Competitive salary with bonus and potential equity
- Hybrid working in a London office
- High level of ownership and visibility across the business
- Opportunity to shape scalable credit decisioning in a growing organisation
- Long-term career progression as the business continues to expand
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