Job Description
Senior Credit Risk Manager
Salary £85,000-£90,000 + bonus
Location + work pattern Liverpool area | Hybrid working with flexible on-site expectations (typically 2-3 days)
THE COMPANY
- A well-established UK consumer organisation operating at national scale, with an integrated credit and payments proposition.
- The business is investing heavily in data, analytics and commercial decision-making following recent growth and transformation.
- Analytics plays a central role in shaping pricing, risk and customer value across financial products.
THE ROLE
This is a senior leadership role responsible for shaping and owning credit pricing strategy across customer acquisition and lifecycle pricing. You will lead a newly formed pricing team as pricing moves into a more commercially focused analytics function.
Specifically, you can expect to be involved in:
- Defining and delivering credit pricing strategies that balance growth, profitability and fair value.
- Developing and overseeing analytical models for pricing, forecasting and performance tracking.
- Setting valuation frameworks and metrics such as lifetime value and risk-adjusted returns.
- Leading testing and experimentation activity to evaluate pricing changes.
- Translating complex analysis into clear, actionable recommendations for senior stakeholders.
- Working closely with analytics, product and engineering teams to improve data quality and reporting.
YOUR SKILLS AND EXPERIENCE
- Strong experience within credit, lending or financial services pricing.
- Solid understanding of unit economics and lifetime value frameworks.
- Experience designing or interpreting test-and-learn or A/B testing approaches.
- Ability to lead and develop analytics professionals.
- Confident communicator, able to influence senior stakeholders with data-led insight.
- Comfortable operating in a regulated environment with a focus on fair value and risk management.
THE BENEFITS
- Competitive base salary with annual performance bonus.
- Flexible benefits allowance, including private medical options.
- Generous holiday entitlement plus bank holidays.
- Pension with employer matching.
- Hybrid and flexible working culture.
THE PROCESS
- First stage: in-depth interview focused on commercial problem-solving and pricing experience, including a case study.
- Second stage: meetings with key stakeholders and peers, covering technical capability and competencies.
- Offer!
HOW TO APPLY
Please register your interest via the apply link on this page.
