Harnham
Senior Credit Risk Manager - 201660
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Senior Credit Transformation Manager
London (Waterloo, Hybrid) | £110,000+
This is an opportunity to join a growing consumer lending FinTech in a role focused entirely on innovation, transformation, and commercial impact. Rather than maintaining existing credit processes, you will identify, build, and launch new lending capabilities that can shape the future direction of the business.
The Company
This FinTech operates within the prime and near-prime consumer lending market and has built a strong foundation across credit risk, monitoring, and portfolio management. Following significant growth and investment, the business is focused on developing new products, customer propositions, and lending strategies to create a stronger market position. With an entrepreneurial culture and a willingness to challenge conventional thinking, they are looking for someone who can bring fresh ideas and take ownership of transformative initiatives from concept through to delivery.
The Role
Reporting into senior leadership, you will be responsible for driving high-impact projects that create meaningful commercial value.
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Key responsibilities include:
- Developing new lending propositions, products, and customer strategies
- Identifying opportunities across new distribution channels and customer segments
- Building initiatives focused on customer retention, cross-sell, and re-lending
- Designing and implementing new credit capabilities and strategies
- Taking ownership of projects from idea generation through to launch and BAU handover
- Evaluating pricing, credit, and commercial trade-offs to support growth
- Conducting analysis and building business cases to support decision-making
- Working closely with Product, Commercial, Finance, Operations, and Credit teams to deliver change
- Challenging existing approaches and introducing innovative ways of working
Your Skills & Experience
- FinTech experience within lending, credit risk, or a related environment
- Strong understanding of credit strategy, pricing, and customer acquisition
- Advanced SQL skills
- Python experience is beneficial but not essential
- Commercial mindset with the ability to balance growth and risk considerations
- Experience building and launching new products, propositions, or strategic initiatives
- Comfortable operating as an individual contributor
- Strong stakeholder management and influencing skills
- Demonstrable ability to take ownership and deliver measurable outcomes
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What They Offer
- Salary of £110,000+, with flexibility for outstanding candidates
- 25 days annual leave
- Standard pension scheme
- Hybrid working model with a minimum of three days per week in the London office
- Significant autonomy and visibility across senior leadership
- Opportunity to influence lending strategy and business growth
- A genuinely innovative role with clear scope for progression and impact
How to Apply
If you have a strong credit background, FinTech lending experience, and enjoy building new capabilities from the ground up, apply today for a confidential discussion.
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