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