Senior Credit Risk Portfolio Manager

2w2 weeks ago

iwoca

London, GB · Full-time · £100,000 – £100,000

About this role

iwoca is building a world where every small business thrives by revolutionising access to fast, flexible finance. Since 2012, we've provided billions in funding to over 150,000 businesses across Europe. As Senior Credit Risk Portfolio Manager for our German business, you'll maintain a strong credit risk culture while scaling responsibly.

Own the DE portfolio by monitoring credit performance across products, segments, and risk tiers, spotting trends early to drive corrective action. Provide clear reporting on loss rates and credit profiles to the Risk Committee and senior leadership. Your insights will shape credit policy and risk appetite.

Work closely with the Chief Credit Officer, Data Scientists, Capital Markets team, and other stakeholders. Lead your team by setting a clear agenda, coaching talent, and ensuring high-quality delivery. Bring credit risk expertise to major business initiatives and multi-disciplinary projects.

Influence funding strategy with data-driven risk insights for investors, meeting performance triggers and concentration limits. Help empower one million businesses with financial tools they deserve. Join us to make finance a superpower for small businesses.

Requirements

Background in Mathematics, Physics, Engineering, or a similarly quantitative field—or equivalent experience
3+ years in a credit risk role at a traditional or fintech lender
Skilled at framing problems conceptually and executing technical analysis with Python (Pandas, NumPy, SciPy, Matplotlib, Seaborn) and SQL
Experience with Monte Carlo simulations, PyMC3, and Bayesian modeling
Able to turn complex analysis into clear, actionable insight for technical and non-technical audiences
Experience managing analysts or small teams with a focus on coaching and professional development

Responsibilities

Monitor credit performance across the DE portfolio by product, segment, and risk tier; spot trends early and drive corrective action
Provide clear, concise reporting on loss rates and credit profile to the Risk Committee and senior leadership
Help shape and manage credit risk appetite and credit policy
Work with Capital Markets to produce data-driven risk insights for investors and ensure performance triggers and concentration limits
Bring credit risk expertise to major business initiatives and multi-disciplinary projects
Lead the team by setting a clear agenda, coaching and developing talent, and ensuring high-quality delivery