Credit Manager

We are seeking an experienced Credit Manager ready to step up, to help shape credit card strategy for a growing European portfolio. Reporting to the Head of Credit, the role will own credit risk strategy, performance monitoring, and the development of data, reporting and analytics to support responsible portfolio growth.

This is a hands-on role in a fast-moving credit environment. Initially a 12-month fixed-term contract, with the possibility of extension or conversion to a permanent role depending on business needs.

Responsibilities:

• Drive credit risk strategies across acquisition and customer management, including cut-offs, initial credit limits, affordability and credit line increase/ decrease programmes.
• Lead regular and ad hoc analysis of key risk indicators, tracking performance against plan and using insights to inform strategy decisions.
• Develop and maintain enhanced MI covering risk appetite, portfolio performance, strategy outcomes, live tests and emerging trends.
• Provide clear credit risk updates to stakeholders and bank committees, proposing value-adding strategies where appropriate.
• Work closely with Finance, Operations, Decision Science and other teams to support business growth, customer experience and effective credit solutions.
• Enhance documentation for credit risk processes and provide input into Collections, Recoveries and Fraud strategies, considering changing regulatory standards.