Senior Credit Strategy Manager
Senior Credit Strategy Manager
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Job Description
The company
Fast flexible finance empowers small businesses to manage their cash flow better and seize opportunities making their business and the economy stronger as a whole. At iwoca we do just that. We help businesses get the funds they need when they need it often within minutes. Weve already made several billion in funding available to more than 100000 businesses since we launched in 2012 and positioned ourselves as a leading Fintech in Europe.
Our mission is to finance one million businesses. Well get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cuttingedge technology data science and a 5star customer service
The role
We are looking for an experienced Senior Credit Strategy Manager with a strong analytical background to lead the team responsible for managing portfolio credit risk for our lending portfolio in the UK.
You will work closely with the Chief Credit Officer our data scientists the Capital Markets team and teams from across the business. You will ensure that credit loss rates and the credit risk profile of our UK portfolio are effectively managed.
Key responsibilities of this critical role include:
Monitoring credit performance on aggregate and by segment. Proactively driving corrective action where required and enhancing the monitoring framework
Providing a clear summary of credit loss rates and credit risks to the Risk Committee.
Supporting the Chief Credit Officer in the development and management of the businesses credit risk appetite.
Supporting the development of iwocas Credit Policy and monitoring adherence to it.
Producing analysis of credit loss rates and credit risks that support the development of iwocas funding strategy. This includes input to meetings with debt and equity investors and analysis that ensures funding facility performance triggers and concentration limits are set appropriately.
Providing credit risk expertise to multidisciplinary projects within the wider team and business stakeholders.
Setting and managing the agenda for your team aligned to the broader business strategy
Effectively managing the work conducted by your team to maximise delivery.
Building the capabilities of your team with a strong focus on coaching and professional development.
The team:
Youll join the Credit Risk team whose primary focus is managing the credit risk profile of our lending portfolios to support iwocas broader business goals and mission.
The requirements
Strong analytical background: a degree in Mathematics Physics Engineering or similar quantitative field; or equivalent experience.
3 years experience in credit risk at a traditional or Fintech lender.
Passion for analytical problemsolving with a strong track record in developing conceptual frameworks and technical . This will include the ability to personally conduct datadriven analysis and guide this work through others.
Experienced in using Python and SQL to query and analyse large datasets with expertise in libraries such as Pandas NumPy SciPy Matplotlib and Seaborn for data manipulation statistical analysis and visualisation. Familiarity with Monte Carlo simulations in Python and/or PyMC3 for Bayesian modelling is a plus.
Familiarity with statistical confidence testing. Understanding and expertise in statistical modelling techniques is a plus.
Strong communication stakeholder management and people management skills.
Ability to bring structure to own and joint areas of work to rapidly drive results in a dynamic working environment.
The salary
We expect to pay from 80000 to 90000 for this role But were openminded so definitely include your salary goals with your application. We routinely benchmark salaries against market rates and run quarterly performance and salary reviews.
The culture
At iwoca we look to hire smart passionate humble individuals with a growth mindset. We prioritise a culture of learning growth and support and invest in the professional development of our team members.
We value thought and skill diversity and encourage you to explore new areas of interest to help us innovate and improve our products and services.
Our friendly and inclusive environment combined with our flexible work policies ensures that youll have the perfect balance between work and life empowering you to thrive both personally and professionally.
The offices
We put a lot of effort into making iwoca a brilliant place to work:
Offices in London Leeds Berlin and Frankfurt with plenty of drinks and snacks
Events and clubs like bingo comedy nights yoga classes football etc.
The benefits (depending on your location)
Medical insurance from Vitality including discounted gym membership.
25 days holiday an extra day off for your birthday and the option to buy or sell an additional 5 days of annual leave.
Instant access to emotional and mental health support with our partner Spill.
Pension and share options.
Generous maternity and paternity leave.
A nursery tax benefit scheme to help you .
Paid volunteering day to support your chosen charity.
Unlimited unpaid leave.
Onemonth fully paid sabbatical after 4 years.
Cycletowork scheme and electric car scheme.
Two company retreats a year weve been to France Italy Spain and further afield.
Private GP service for you your partner and your dependents.
And to make sure we all keep learning we offer:
A learning and development budget for everyone.
Companywide talks with internal and external speakers.
Access to learning platforms like Treehouse if you want to learn to code.
Useful links:
Required Experience:
Manager
Employment Type
Full-Time
