Senior Credit Risk Portfolio Manager

Were looking for a Senior Credit Risk Portfolio Manager

About us

Imagine a world where every small business has the power to thrive. Thats the world were building at iwoca. Small businesses arent just statistics theyre the heartbeat of our communities the character of our high streets and the engine of our economy. Since 2012 weve revolutionised how these businesses access finance turning what was once a lengthy frustrating process into something remarkable: funding thats fast flexible and actually works for modern businesses.

Our impact speaks for itself: weve provided billions in funding to more than 150000 businesses across Europe making us one of the continents leading fintech innovators. But were just getting started. Our mission To empower one million businesses with the financial tools they deserve.

We combine cutting-edge technology and data science with genuine human understanding to make finance feel less like a barrier and more like a superpower. Whether its managing cash flow or seizing unexpected opportunities we ensure businesses get the funds they need often within minutes.

The role - Shape the future of small business lending

At iwoca were on a mission to expand access to finance for small businesses. As we continue to grow were looking for a sharp experienced Senior Credit Risk Portfolio Manager for our German business. This role is central to maintaining our strong credit risk culture and ensuring we scale responsibly and sustainably.

Youll work closely with our Chief Credit Officer Data Scientists Capital Markets team and other stakeholders across the business. Your insights will directly influence credit policy risk appetite funding strategy and our ability to serve more customers with confidence.

What you will be doing:

• Own the portfolio: Monitor credit performance across the DE portfolioby product segment and risk tier. Spot trends early and drive corrective action.

• Be the voice of credit risk: Provide clear concise reporting on loss rates and credit profile to the Risk Committee and senior leadership.

• Support strategic direction: Help shape and manage iwocas credit risk appetite and credit policy.

• Inform funding strategy: Work with Capital Markets to produce compelling data-driven risk insights for investors. Ensure we meet performance triggers and concentration limits across funding facilities.
  Cross-functional leadership: Bring credit risk expertise to major business initiatives and multi-disciplinary projects.

• Lead the team: Set a clear agenda for your team coach and develop talent and ensure high-quality impactful delivery.

The requirements

• A strong analytical mind: A background in Mathematics Physics Engineering or a similarly quantitative fieldor equivalent experience.

• Credit risk expertise: 3 years in a credit risk role at a traditional or fintech lender.

• Data-driven problem-solver: Skilled at both framing problems conceptually and executing technical analysis. Hands-on with Python (Pandas NumPy SciPy Matplotlib Seaborn) and SQL.

• Bonus points for experience with Monte Carlo simulations PyMC3 and Bayesian modeling.

• Confident communicator: Able to turn complex analysis into clear actionable insight for technical and non-technical audiences alike.

• People leader: Experience managing analysts or small teams with a focus on coaching and professional development.

• Execution-focused: Able to structure and drive work forward independently and collaboratively in a fast-paced environment.

The salary

We expect to pay from 100000 for this role But were open-minded 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 save money.

• Paid volunteering day to support your chosen charity.

• Unlimited unpaid leave.

• One-month fully paid sabbatical after 4 years.

• Cycle-to-work 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.

• Company-wide talks with internal and external speakers.

• Access to learning platforms like Treehouse if you want to learn to code.

Useful links:

• iwoca benefits & policies

• Interview welcome pack

Required Experience:

Manager