Senior Credit Risk Manager - Loans

About the role

We are seeking a highly analytical, technically strong Senior Credit Manager to lead the development of our testing ecosystem, build a best-in-class monitoring and analytics suite, and drive portfolio valuation and forecasting. This role requires a hands-on approach to data and a strong understanding of credit performance and unit economics.

Responsibilities

• Own our Testing Ecosystem (Experimentation + Statistical Rigor)
• Own the end-to-end testing ecosystem for credit and product decisions including experimentation design, implementation standards, and result interpretation
• Establish statistically sound testing practices across teams
• Develop repeatable frameworks for evaluating tradeoffs between conversion, risk, yield, and customer outcomes
• Partner with Product/Engineering to ensure experimentation tools and logging support robust measurement (not fragile analyses after the fact)
• Build Best-in-Class Monitoring & Analytics Suite (Performance + Economics)
• Build and own a cohesive monitoring and analytics suite that provides a nuanced, end-to-end view of the business
• Develop tooling that lets us diagnose issues early and confidently
• Create a “single source of truth” performance narrative that can be relied on by senior leadership for decision making
• Drive Portfolio Valuation & Forecasting (Decision Support Across the Business)
• Help build and continuously improve our approach to portfolio valuation, performance forecasting, and expectation-setting
• Produce credible valuations / forward-looking performance views that inform: Credit strategy and policy changes, Capital markets funding conversations, Growth scaling decisions, Product prioritisation and roadmap tradeoffs
• Ensure valuation approaches are grounded in high-quality assumptions, are transparent, and are calibrated to observed performance
• Build clear frameworks for answering: what is the portfolio worth, how does it change under different strategy choices, and where are we taking risk?
• Be Hands-On With Data & Influence Decision Making
• Be comfortable being hands-on with data: drive your own analysis, build models/tools where needed, and turn analysis into crisp recommendations (SQL required; Python strongly preferred)
• Communicate complex insights clearly to technical and non-technical stakeholders
• Operate with an ownership mindset: identify the biggest analytical blind spots and drive improvements proactively (not only when asked)

Requirements

• Strong hands-on analytics ability — comfortable pulling data yourself and using it to drive decisions (strong SQL & Python required)
• Deep understanding of experimentation, measurement, and statistical inference (power, significance, bias, causality, segmentation, guardrails)
• Strong understanding of credit performance and unit economics in lending
• Experience building monitoring / performance reporting and diagnosing portfolio performance changes
• Strong commercial judgment: can balance customer outcomes and business profitability; comfortable with ambiguity and tradeoffs
• Strong stakeholder management and communication — able to influence cross-functionally and up to senior leadership
• Ownership mindset and high standards for analytical quality and integrity

Desirable Experience

• In U.S. personal loans, ideally in FinTech
• Familiarity with underwriting strategy, risk models, and credit policy design
• Experience partnering with Capital Markets / finance stakeholders on valuation, forecast, or funding decisions
• Experience working with data engineering / analytics engineering teams (dbt, warehouse structures, instrumentation)
• Familiarity with fairness/fair lending concepts and monitoring frameworks
• Experience implementing AI tools to power business monitoring