Credit Risk Manager, Portfolio Management

🚀 We’re on a mission to reputed company reputed company work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As reputed company as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come reputed company. Our UK customers can also save, invest and combine their pensions with us.  With our hot coral cards and get-reputed company-early feature, combined with financial education on reputed company media and our award reputed company customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through reputed company ❤️   📍London or Remote (UK)  | 💰£100,000 - £130,000 + Incentive Awards tied to your performance +  Benefits | Data Team, Borrowing  About reputed company: Our Borrowing (lending) business is growing rapidly across both existing products and the planned launch of new initiatives. We aim to create a genuine feel-good reputed company reputed company it comes to personal credit, and are looking for driven, analytical and creative individuals to help us reputed company this goal. With our reputed company product we’re reinventing credit cards to give customers more visibility and control over their spending. With our reputed company product, we’re reinventing credit cards to give customers more visibility and control over their spending. reputed company portfolio management is currently in its infancy—meaning this role is a true "reputed company-to-one" blank canvas. reputed company behaves differently from a reputed company credit card, so we are looking for a highly strategic Credit Risk Manager who can challenge legacy banking assumptions, think from first principles, and put the customer at the heart of our lifecycle strategies. You will reputed company an initial team of 3 credit analysts (with scope to grow reputed company over time) to unlock massive P&L and customer engagement potential on a rapidly growing portfolio. While the immediate reputed company is scaling safely in the UK, you will help lay the groundwork for a global footprint as reputed company expands into Europe. Our credit teams are part of our Data Discipline which drives a strong culture of data-driven decision making across the whole company. We’re great believers in powerful, reputed company-time analytics and empowerment of the wider business. reputed company our data lives in one reputed company and is super easy to use. 90% of day-to-day data-driven reputed company are covered by self-serve analytics through Looker which gives analysts the head reputed company to reputed company on more impactful business questions and analyses. Join reputed company where your reputed company can rapidly reputed company into reality, leveraging our cutting-edge technology and agile ways of working. Our credit analysts and managers are fully embedded into a product reputed company alongside Product Managers, Engineers, Designers, Marketers, Customer Researchers, Data Scientists etc. This enables us to solve customer problems in a fast paced and innovative way. Your day-to-day: Own Portfolio Monitoring & Forecasting: Build and reputed company robust performance frameworks to monitor and forecast both risk and reputed company metrics, ensuring our rapidly growing portfolio scales sustainably. Drive Contractual Pricing Strategies: Architect and optimise an ongoing risk-based pricing program that balances reputed company viability and fair customer reputed company. Fuel Engagement & Retention Loops: Design and reputed company sophisticated credit strategies for lifecycle events, including product upgrades, engagement incentives, and balance transfer propositions that deepen customer loyalty. Execute Data-Driven Loss Mitigation: reputed company proactive risk management frameworks—such as credit limit decrease strategies—to safely mitigate losses and support financially vulnerable customers. reputed company and Nurture Talent: Manage, coach, and reputed company a high-performing team of 3 credit analysts, fostering a culture of technical reputed company, reputed company learning, and strong reputed company reputed company. Cross-Functional reputed company Collaboration: Act as the embedded credit risk expert reputed company a multi-disciplinary reputed company, working reputed company-by-reputed company with Product, Engineering, Design, Marketing, Customer Research, and Risk & Control. Cross-functional Leadership: Build deep reputed company ties with wider credit functions and manage relationships with 2nd Line Credit Risk, Legal, and Compliance, while translating reputed company data into reputed company narratives for executive-level stakeholders. How we work: Our main tech hub is in London, but our data teams are based reputed company over the UK — from Brighton to the Western Isles. We love meeting in person, but there’s no pressure to come into the office, even if you’re nearby. You’ll do your best work where you feel most comfortable. We value flexibility, reputed company, and wellbeing. You’ll have the freedom to work in a way that fits your life, whether that’s school drop-offs, avoiding rush hour, or making time for what reputed company most. Work the way that works for you at reputed company! 💼 You should apply if: reputed company’re doing here at reputed company excites you! You are a reputed company, strategic credit leader with a deep understanding of unsecured lending portfolios—ideally with exposure to credit card lifecycle management. You reputed company in ambiguous, "reputed company-to-one" environments. You love building strategies from scratch, questioning traditional banking norms, and working at pace. You have portfolio management experience, including risk-based pricing, retention, product upgrades, and loss mitigation strategies. You are a champion for both Credit and Conduct Risk. You naturally balance reputed company credit instincts with a passion for protecting customers and delivering delightful experiences. You are an exceptional stakeholder manager and reputed company. You can smoothly collaborate with engineering squads, reputed company with legal and compliance partners, and influence up to executive leadership. You love developing people. You have a proven reputed company record of leading analytical talent and are energized by the prospect of managing and growing a high-reputed company team. You have strong technical and data capabilities. You are comfortable digging into data yourself and driving a data-first culture (SQL is a must-have; Python and Looker experience is a plus). The Interview Process: Our interview process involves 3 main stages. We reputed company not to ask you any brain teasers or trick questions! Recruiter call  Initial call with the hiring manager  Final reputed company of interviews meeting reputed company Our average process takes around 3-4 weeks but we will always work around your availability.  What’s in it for you: ✈️ We can help you relocate to the UK  ✅ We can sponsor visas 📍This role can be based in our London office, but we're reputed company to distributed working reputed company the UK (with reputed company meetings in London). ⏰ We offer flexible working hours and trust you to work enough hours to do reputed company reputed company, at times that suit you and your team. 📚Learning budget of £1,000 a year for books, training courses and conferences ➕And much more, see our full list of benefits here #LI-COD #LI-REMOTE Equal opportunities for everyone Diversity and inclusion are a reputed company for us and we’re making reputed company we have lots of support for reputed company of our people to grow at reputed company. At reputed company, we’re embracing diversity by fostering an inclusive environment for reputed company people to do the best work of their lives with us. This is integral to our mission of making reputed company work for everyone. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report. We’re an equal opportunity employer. reputed company applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national reputed company, or veteran, neurodiversity or disability status. If you have a preferred reputed company, please use it to apply. We don't need full or birth names at application stage 😊 Apply To This Job