Senior Credit Risk Manager

Yonder
London
Workplace: OnsiteFull timeGBP 111,342 - 126,347 annuallyFunction: Legal, Risk & ComplianceSkills: ["Ownership","Judgement","Communication","Presentation","Collaboration"]

Own underwriting strategy end to end for new and existing members, including setting risk boundaries and building decisioning rules and models in the decisioning engine. Continuously test and refine application scoring, affordability, pricing, and line management, then monitor portfolio performance via vintage curves, arrears, roll rates, and early warning indicators. Present and defend recommendations to governance forums and regulators while partnering with Finance, Fraud, Collections, Marketing, and Product to keep changes aligned in production.

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Yonder
Yonder
3 days ago

Senior Credit Risk Manager

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Source: Company careers pageValidated by: Fursa AI
Last checked: 12 hours agoStatus: Live

Job Summary

Own underwriting strategy end to end for new and existing members, including setting risk boundaries and building decisioning rules and models in the decisioning engine. Continuously test and refine application scoring, affordability, pricing, and line management, then monitor portfolio performance via vintage curves, arrears, roll rates, and early warning indicators. Present and defend recommendations to governance forums and regulators while partnering with Finance, Fraud, Collections, Marketing, and Product to keep changes aligned in production.
Location: London
Workplace: Onsite
Employment Type: Full time
Job Function: Legal, Risk & Compliance
Seniority: Mid level

Key Responsibilities

  • •Own underwriting strategy end to end, setting risk boundaries, decisioning rules and models, and tracking portfolio outcomes against credit risk appetite.
  • •Design, test, and refine strategy across the lifecycle, including application scoring, affordability, price and line setting, and price and line management.
  • •Manage pricing and line dynamics by channel to optimize growth, return, and margin by evaluating channel risk and ROI.
  • •Translate strategy into production by building and maintaining decisioning rules and policy in the decisioning engine.
  • •Lead portfolio monitoring and governance narratives by tracking vintage curves, arrears, roll rates, and early warning indicators, then presenting and defending recommendations.

Pay and Benefits

Salary: GBP 111,342 - 126,347 annually
Equity and Bonus:Equity
Perks:EquityHealth InsuranceDentalVisionLearning BudgetCycle ToParental Leave

Key Requirements

  • •Have real ownership of underwriting strategy, with deep financial services credit risk experience in a role where you drove decisions.
  • •Have priced and managed risk in non-prime or near-prime unsecured lending, ideally credit cards or comparable with demonstrated impact on growth, losses, and profitability.
  • •Be expert-level with SQL and/or Python to run analysis and translate questions into underwriting strategy.
  • •Be able to defend underwriting strategy and portfolio performance to senior stakeholders, including Credit Committee and where relevant the Board, FCA, or external auditors.
  • •Have exposure to a decisioning platform (e.g., Taktile or similar) and ideally helped build credit risk infrastructure at a growing lender.
Experience:Financial servicesCredit riskNon-prime lendingFintech
Skills:OwnershipJudgementCommunicationPresentationCollaboration
Tech Stack:SQLPythonTaktile

Company Brief

Yonder
Yonder is a UK challenger rewards card and financial membership offering debit and credit cards that earn points redeemable for curated dining, travel and lifestyle experiences, targeting expats and young professionals.
Industry: Payments
Company Size: Medium (51 to 250 employees)
Growth: Growth Stage Startup
Valuation: USD 100M to 250M
Funding: Series A
Headquarters: London, United Kingdom
Founded: 2020
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Glassdoor: 4.1
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