Credit Risk Manager, Flex Originations

About the team:

Our Borrowing (lending) business is growing rapidly across both existing products and the planned launch of new initiatives. We aim to create a genuine feel-good factor when it comes to personal credit, and are looking for driven, analytical and creative individuals to help us achieve this goal.

With our Flex product we’re reinventing credit cards to give customers more visibility and control over their spending. Our portfolio is growing rapidly and we’re expanding into new markets and distribution channels. We’re looking for a highly strategic Credit Risk Manager to spearhead the credit, pricing and distribution strategies for our next phase of Flex market expansion. You will lead a growing team of analysts focused on unlocking new customer acquisition channels, optimising real time decisioning journeys and scaling our credit card proposition safely.

Our credit teams are part of our Data Discipline which drives a strong culture of data-driven decision making across the whole company. We’re great believers in powerful, real-time analytics and empowerment of the wider business. All our data lives in one place and is super easy to use. 90% of day-to-day data-driven decisions are covered by self-serve analytics through Looker which gives analysts the head space to focus on more impactful business questions and analyses.

Join a team where your ideas can rapidly transform into reality, leveraging our cutting-edge technology and agile ways of working. Our credit analysts and managers are fully embedded into a product squad alongside Product Managers, Engineers, Designers, Marketers, Customer Researchers, Data Scientists etc. This enables us to solve customer problems in a fast paced and innovative way.

Your day-to-day:

• Drive Distribution Strategy: Develop and execute the credit risk frameworks for new and expanding acquisition channels, including aggregator sites, paid marketing and referral networks.
• Optimise the Customer Journey: Design, test, and deploy sophisticated underwriting and real-time decisioning strategies that balance a seamless, low-friction customer onboarding experience with robust risk management.
• Shape Product & Pricing Economics: Own the risk architecture for complex commercial propositions, evaluating the risk-reward profiles of promotional 0% offers, introductory features, and dynamic pricing structures.
• Champion Economic Modelling: Oversee or partner closely on credit risk valuations (including NPV modelling and affordability strategies) to ensure our underwriting decisions are grounded in highly optimized lending economics.
• Lead and Scale a High-Performing Team: