Credit Risk Manager

About Us:

One-third of the UK’s working-age population is unable to access mainstream financial services. These individuals are excluded from affordable credit and underserved by traditional financial institutions. Our purpose is “To improve the nation’s financial health through accessibility, affordability, and community.”

We are a fast-growing social FinTech company, empowering not-for-profit Credit Unions in the UK with cutting-edge technology. Our goal is to transform a select group of Community Lenders into a network of challenger banks that provide a viable alternative to high-cost lenders.

With a team of over 200 people and more than 180,000 active customers, Amplifi is a data-driven business with strong ambitions and a proven platform. We are led by a senior team with decades of experience across institutions such as Credit Suisse, UBS, NatWest, Capital One, NewDay and Barclays.

The Role:

At Amplifi, data lies at the heart of all strategies. As a fintech in the consumer lending space we strongly believe that innovative use of data and technology are key to delivering on our strategic objectives. As a Credit Risk Manager, you will play a pivotal role in shaping and executing credit risk strategies that balance growth, risk management, and customer outcomes.

This hands-on role combines advanced analytics with leadership responsibilities, giving you the opportunity to manage a high-performing team, influence business decisions, and drive strategic initiatives. You will work across multiple teams and directly contribute to the optimisation of underwriting, fraud prevention, responsible lending, and portfolio management for personal loans.

Responsibilities:

• Shape Strategy: Set the analytical agenda for the Credit Risk team to support overall business goals and deliver sustainable growth.
• Drive Credit Risk Initiatives: Design and implement credit risk strategies and decision frameworks that optimise risk, cost, and growth.
• Conduct Deep-Dive Analysis: Identify opportunities to enhance efficiency, improve customer outcomes, and deliver measurable value.
• Monitor Key Metrics: Ensure accurate monitoring of credit risk and fraud-related metrics, identifying trends and recommending strategy adjustments.
• Collaborate Cross-Functionally: Partner with teams across data science, marketing, product, operations, and engineering to deliver bespoke risk solutions and ensure excellent customer outcomes.
• Develop Talent: Hire, mentor, and lead a team of credit risk analysts, fostering a culture of excellence, collaboration, and continuous improvement.
• Enhance Decision Frameworks: Drive the integration of new data sources and insights into underwriting, fraud, responsible lending, and collection strategies.
• Influence Stakeholders: Present key analyses, findings, and recommendations to senior management, Credit Union partners, and external stakeholders.
• Stay Ahead of Trends: Keep abreast of industry developments, fraud prevention techniques, and regulatory changes, ensuring that strategies remain relevant and effective.

This role is suited to someone who thrives in a dynamic, high-growth environment and has a passion for data, analytics, and credit risk management.

To excel in this role, you should have:

• 8+ years of experience in credit risk, fraud analytics, or a related field, ideally within retail unsecured consumer lending (loans or credit cards).
• Direct experience designing and implementing credit risk decisioning frameworks, strategies, and affordability assessments.
• Strong proficiency in SQL for querying and analysing large datasets; experience with Python or R is a plus.
• Advanced Excel skills, including expertise in complex formulas, pivot tables, and data analysis tools.
• A strong foundation in probability and statistics, including experience with A/B testing and advanced analytical methods.
• In-depth knowledge of UK bureau data (e.g., Experian, Equifax, TransUnion) and familiarity with fraud detection techniques, alternative data sources, and collections solutions.
• An understanding of how marketing and distribution channels impact credit and profitability performance.
• A good grasp of the regulatory landscape, with the ability to align commercial objectives with compliance requirements.
• Excellent communication and interpersonal skills, capable of articulating insights and recommendations to technical and non-technical audiences.
• A degree in a numerate discipline (e.g., Mathematics, Statistics, Economics, or STEM) or equivalent practical experience.

Also Desirable:

• Experience with credit scoring models and decision systems.
• Modelling experience within financial services.
• Experience working in a scale-up or high-growth environment.

• Competitive salary
• 25 days annual leave
• Pension
• Death in Service Provision
• Private health insurance
• Subsidised Childcare
• Subsidised Gym Membership
• Hybrid working (2 days from home)

Commitment:

We are committed to equality of opportunity for all staff and applications from individuals are encouraged regardless of age, disability, sex, gender reassignment, sexual orientation, pregnancy and maternity, race, religion or belief and marriage and civil partnerships.

Please note that all offers of employment are conditional on us obtaining satisfactory pre-employment checks, including a DBS check, a credit check and employment references.