Credit Risk Manager, Portfolio Management
$128,000â$166,400 year
Remote ¡ London, England, United Kingdom or United Kingdom
Job Summary
Credit Risk Manager for a UK-based portfolio in Monzoâs Borrowing unit, leading an initial team of 3 credit analysts to monitor and forecast risk and revenue metrics, design and optimize risk-based pricing, and drive engagement, retention, and lifecycle strategies across a growing credit portfolio (including Flex products) with a focus on scalable, data-driven decision making. This role collaborates with Product, Engineering, Design, Marketing, Customer Research, and Legal/Compliance within embedded product squads, using Looker and SQL for real-time analytics, and supports a UK-wide setup with a main hub in London and flexible distributed working within the UK. The team will help scale the portfolio safely while laying groundwork for potential European expansion, and the candidate should demonstrate strong leadership, strategic thinking, and the ability to translate data into actionable business narratives; visa sponsorship and UK relocation support are available.
Required Qualifications
- Experience leading analytical teams in credit/risk management
- Portfolio management experience with risk-based pricing
- Strong data capabilities (SQL required; Python and Looker a plus)
- Experience with unsecured lending portfolios and credit card lifecycle management
- Ability to operate in ambiguous/zero-to-one environments
- Strong stakeholder management and cross-functional collaboration
- Willingness to relocate or work distributed within the UK
- Visa sponsorship availability for UK-based role
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