Our client is looking for a seasoned Credit Risk Manager to join their team , it''s hybrid so you can work 2 days at home, 3 days in their offices. 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. For this role you would need: 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, wit