Senior Credit Risk Manager

SENIOR CREDIT RISK MANAGER
UP TO £90,000
FULL TIME, PERMANENT
NOTTINGHAM CITY CENTRE

SF Recruitment are recruiting a Senior Credit Risk Manager for their client based in Nottingham City Centre. You will play a pivotal role in shaping and leading our clients credit risk strategies. This is a high-impact position, responsible for driving portfolio performance, ensuring compliance, and supporting the business's continued growth through data-led decision-making.

Key Responsibilities
- Lead the design, implementation, and optimisation of credit risk strategies across acquisition, account management, and decisioning.
- Manage and mentor a high-performing credit risk team, fostering a culture of development and excellence.
- Partner with cross-functional teams including Product, Technology, Compliance, and Finance to ensure risk strategies align with business objectives.
- Own and continuously enhance the credit risk policy framework, decisioning models, and governance to ensure regulatory compliance and audit readiness.
- Deliver actionable portfolio performance insights and risk analytics to executive leadership.
- Develop and maintain statistical models (e.g., PD models, bureau and custom scorecards) to support credit underwriting and segmentation.
- Leverage credit bureau data (e.g., TransUnion, Experian) to inform and refine credit strategies.
- Conduct robust exploratory data analysis and ensure data integrity through rigorous data cleaning processes.
- Design and oversee A/B testing to evaluate and optimise credit risk strategies.
- Translate complex analytical insights into clear recommendations for stakeholders.
- Balance commercial objectives with risk appetite, optimising scorecards and policies for profitable, sustainable growth.

Essential Requirements:
- A degree in Data Science, Statistics, Economics, or a related field
- Minimum of 8 years' experience in the Financial Services sector
- Strong experience working with large and complex data sets
- Proficiency in programming languages such as Python, R, or SQL
- Advanced skills in Excel
- Excellent communication skills, with the ability to present complex technical concepts to non-technical audiences
- Highly analytical, detail-oriented, and committed to continuous improvement
- Comfortable operating in a dynamic and fast-paced environment

Desirable:
- Experience working with credit bureau data
- Familiarity with Salesforce and data visualisation tools (e.g., Tableau, Power BI)

What's on Offer:
- 25 days annual leave plus Bank Holidays
- Flexible and hybrid working options
- Long-term career progression in a growing, mission-driven company
- Private healthcare