Secured Credit Risk Manager
Core
Define credit policy and underwriting strategy for second charge mortgages, including affordability, eligibility, and decisioning frameworks.
Role type
Senior IC credit risk manager (secured lending)
Builds
Second charge mortgage product from ground up
Domain
Fintech / Secured lending / Mortgages
Deliverable
production ML models | product features
Required skills
Secured lending credit risk expertise, risk scoring and pricing, funding and capital constraints understanding, commercial awareness, end-to-end secured lending process knowledge, analytical rigour, regulatory awareness (MCOB, FCA), designing for scale and automation
Preferred skills
Loan servicing experience, broker distribution models experience, startup/scale-up environment experience, decisioning platforms or rules engines experience
Technologies
SQL, Python
Responsibilities
Define credit policy and underwriting strategy, own risk scoring and pricing, drive growth whilst balancing risk, own IRR/NPV/cashflow models, design automated decisioning logic, help shape funding strategy, inform property valuation and security process, monitor portfolio performance, collaborate cross-functionally
Seniority
Senior, hands-on IC