Credit Risk Director; Fintech​/Cards Product

Position: Credit Risk Director (Fintech/Cards Product)

Location: Greater London

Responsibilities

• Maintain and strengthen credit risk frameworks for credit card acquisition and portfolio oversight, ensuring compliance with regulatory and internal standards.
• Lead the creation, refinement, and implementation of credit card lending policies, decision rules, and risk controls, and identify opportunities for improvement.
• Partner with modelling and analytics teams to shape, validate, implement, and monitor credit risk models, reviewing key assumptions and performance trends.
• Perform detailed analysis of credit card portfolio behavior, including credit quality movements, delinquency and loss patterns, cohort trends, and emerging risks.
• Manage risk appetite settings and portfolio limits, including calibration, stress testing, monitoring potential breaches, and escalating issues.
• Provide risk perspectives on business strategies, product changes, underwriting proposals, and portfolio optimization initiatives.
• Produce clear, insight-driven risk reports and dashboards for senior leaders, summarizing portfolio performance and key risk developments.
• Prepare materials and present at governance forums to communicate underwriting outcomes and evolving risk themes.
• Support and review the work of junior team members, contributing to team development and analytical quality.
• Champion process efficiency and automation to improve the accuracy and scalability of risk monitoring and reporting.

Requirements

• A bachelor’s degree or higher in a quantitative field such as statistics, mathematics, financial engineering, quantitative finance, or data analytics from a well-regarded institution.
• At least 5 years of hands‑on experience in retail credit products—particularly credit cards or unsecured lending—or related financial risk areas.
• Working knowledge of SQL or similar data-querying tools is beneficial.
• Exposure to additional analytics or business intelligence platforms is an added advantage.
• Understanding of key credit card risk methodologies, including scoring models, Basel frameworks, ECL concepts, and stress testing practices.
• Proven capability to independently perform complex analytical work and convert findings into clear, actionable risk insights.
• Strong interpersonal skills with the ability to challenge and influence stakeholders across business and product functions.
• Highly detail-focused, organized, and comfortable working in a fast-moving, structured environment.
• Excellent communication skills, both written and verbal.

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