Job Description
SENIOR CREDIT RISK MANAGER \nUP TO £90,000 \nFULL TIME, PERMANENT \nNOTTINGHAM CITY CENTRE \n \nSF 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.
\n \nKey Responsibilities \n- Lead the design, implementation, and optimisation of credit risk strategies across acquisition, account management, and decisioning. \n- Manage and mentor a high-performing credit risk team, fostering a culture of development and excellence. \n- Partner with cross-functional teams including Product, Technology, Compliance, and Finance to ensure risk strategies align with business objectives.
\n- Own and continuously enhance the credit risk policy framework, decisioning models, and governance to ensure regulatory compliance and audit readiness. \n- Deliver actionable portfolio performance insights and risk analytics to executive leadership. \n- Develop and maintain statistical models (e.g., PD models, bureau and custom scorecards) to support credit underwriting and segmentation.
\n- Leverage credit bureau data (e.g., TransUnion, Experian) to inform and refine credit strategies. \n- Conduct robust exploratory data analysis and ensure data integrity through rigorous data cleaning processes. \n- Design and oversee A/B testing to evaluate and optimise credit risk strategies.
\n- Translate complex analytical insights into clear recommendations for stakeholders. \n- Balance commercial objectives with risk appetite, optimising scorecards and policies for profitable, sustainable growth. \n \nEssential Requirements: \n- A degree in Data Science, Statistics, Economics, or a related field \n- Minimum of 8 years' experience in the Financial Services sector \n- Strong experience working with large and complex data sets \n- Proficiency in programming languages such as Python, R, or SQL \n- Advanced skills in Excel \n- Excellent communication skills, with the ability to present complex technical concepts to non-technical audiences \n- Highly analytical, detail-oriented, and committed to continuous improvement \n- Comfortable operating in a dynamic and fast-paced environment \n \nDesirable: \n- Experience working with credit bureau data \n- Familiarity with Salesforce and data visualisation tools (e.g., Tableau, Power BI) \n \nWhat's on Offer: \n- 25 days annual leave plus Bank Holidays \n- Flexible and hybrid working options \n- Long-term career progression in a growing, mission-driven company \n- Private healthcare