YouLend
Senior Credit Risk Manager – All Global Markets
Greater London
Posted 13 days ago
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Senior Credit Risk Manager – All Global Markets
Department: Credit Risk Employment Type: Permanent Location: London Reporting To: Elliot Jackson
Description
We are seeking a Senior Credit Risk Manager to oversee and drive the next phase of growth across our global business, based within our London headquarters.
In this role, you will:
- Lead the Credit Strategy and Underwriting Team, owning, developing, and innovating our credit strategy to ensure consistent, high-quality credit decisions aligned with our company’s risk appetite and regulatory obligations.
- Partner closely with senior risk leadership, Product, Data, Decision Science, Compliance, and Commercial teams to strengthen credit policies, optimize decisioning frameworks, and drive continuous improvements in portfolio performance.
- Operate in a fast-paced environment requiring deep credit risk expertise, outstanding interpersonal skills, and drive collaboration with business partners and senior management.
- Manage and be accountable for team performance, underwriting quality, operational efficiency, and the delivery of key risk outcomes across UK, US, EU, and future markets.
Responsibilities
Overall Market Credit Risk
- Own the Credit Strategy across all current (UK, US, EU) and future global markets.
- Contribute directly to business KPI delivery (e.g., growth, profitability, loss rates).
- Collaborate with global leadership teams to align strategy, prioritize initiatives, and share best practices to meet shared targets.
Credit Strategy Development and Innovation
- Own and deliver the Global Credit Strategy roadmap (aligned with business partners and senior leadership).
- Continuously develop and innovate the credit strategy for a market-leading capability.
- Work closely with capital markets, product, tech, legal, compliance, and operations for strategic alignment, regulatory compliance, and an integrated customer proposition.
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Portfolio Performance Monitoring and Management
- Monitor portfolio performance, identifying trends in credit quality, losses, and early-risk indicators.
- Lead risk reporting, present insights to senior management, and facilitate Credit Committee discussions.
- Recommend mitigation actions to improve portfolio outcomes.
Team Leadership & Management
- Lead, manage, mentor, and develop a skilled team of credit risk analysts and underwriters.
- Conduct recruitment, talent development, and build a recognized centre of Credit Risk excellence rooted in the company’s culture.
Governance, Compliance, and Quality Assurance
- Be accountable for the Risk Governance Framework, including Credit Risk Policy and Process documentation (across markets and regulatory requirements).
- Oversee underwriting/risk assessment processes to ensure consistent policy application and risk appetite compliance, collaborating with Secondary QA teams.
- Review complex/escalated cases, offering structured risk decision guidance.
Skills, Knowledge and Expertise
Required
- 5+ years’ experience in credit risk, underwriting, or related risk functions (financial services, fintech, lending, or commercial credit).
- Deep understanding of:
- Credit underwriting principles
- Data science model application
- Risk appetite frameworks
- Portfolio risk management
- Quantitative reasoning skills to analyze complex datasets and innovate solutions autonomously.
- Strong communication skills (writing/verbal), including explaining risks to non-technical teams.
- Proven team leadership (recruitment, development, accountability) and cross-functional influence.
- Ability to assess financial statements, cash flow, and credit data for structured risk decisions.
- Highly organized, adept at balancing multiple priorities in a fast-paced, growth-driven environment.
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Desirable
- SME lending experience.
- Familiarity with EU and US lending regulations.
- Multi-market international experience.
Benefits: Why Join YouLend?
Organisation
- Recognized "Best Places to Work" (2024 & 2025) – a supportive, inclusive workplace.
- Featured among "Top 250 Fintech Worldwide" (CNBC).
Growth and Expansion
- A dynamic company with powerful solutions and global potential.
- Rapid growth (>100% in 2022/2023), with strong industrial backing and can target high-margin industries.
Career & Compensation
- High-growth environment with bonuses, share options, and accelerated career progression.
- Backed by private equity investment.
- Finance arms through Banking Circle Group (Luxembourg-licensed banking support).
Work Environment
- High-performance culture: direct feedback, aligned incentives, and team-driven successes.
- Transparent, supportive team culture with an emphasis on individual contribution.
- Data-driven + agile approach – speed always matters.
Benefits Package
- Stock options.
- Comprehensive healthcare:
- Private medical insurance (Vitality) + Dental cover (BUPA).
- Employee Assistance Program (Health Assured).
- Enhanced maternity/paternity leave.
- Modern office hub in Central London with:
- On-site gym (Holborn).
- Daily subsidised lunch (Feedr).
- Late-work Deliveroo subsidy.
- Monthly in-office massage.
- Monthly socials, team events, and leisure activities:
- Football League, Paddle Club, and Yoga sessions.
- Demonstrate diversity, equity, and inclusion in all hiring/role transition decisions (merit-based and free from bias).
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Skills
Credit Risk Management
Underwriting
Credit Strategy
Portfolio Performance Monitoring
Risk Governance
Quantitative Reasoning
Financial Statement Analysis
Team Leadership
Stakeholder Management
Regulatory Compliance
Data Science Model Application
SME Lending
Risk Appetite Frameworks
Deductive Reasoning
Cross-functional Collaboration
Credit Policy Development