Senior Credit Risk Manager

We're looking for a Senior Credit Risk Manager to drive the performance and evolution of iwoca's enhanced underwriting in Germany, one of our most dynamic and strategic markets. The role involves leading the day-to-day oversight of our enhanced portfolio, refining how we combine human assessments with data-driven models to make smart, consistent lending decisions, and shaping the future of iwoca's German credit strategy.

Requirements

• 3 to 5 years in credit risk and lending strategy, ideally in SME or consumer lending; fintech experience is a strong plus
• Strong academic background in Mathematics, Physics, Engineering or another quantitative field, or equivalent practical experience
• 12+ months managing or mentoring analysts, with evidence of impact on performance and growth
• Advanced Python and SQL skills, including Pandas, NumPy, SciPy, Matplotlib and Seaborn
• Hands-on experience building predictive models and translating outputs into lending decisions
• Skilled in developing credit strategies, including scorecards, credit limits and loss reduction techniques
• Comfortable working with large, messy datasets and identifying clear, actionable insights
• Strong communication skills, with the ability to influence both technical and non-technical audiences
• Commercial mindset, with a structured approach to decision-making under uncertainty
• Familiarity with the German lending market or language is helpful but not essential

Benefits

• Medical insurance from Vitality, including discounted gym membership
• A private GP service (separate from Vitality) for you, your partner, and your dependants.
• 25 days’ holiday, an extra day off for your birthday, the option to buy or sell an additional five days of annual leave, and unlimited unpaid leave
• A one-month, fully paid sabbatical after four years.
• Instant access to emotional and mental health support.
• 3% Pension contributions and share options.
• Generous parental leave and a nursery tax benefit scheme to help you save money.
• Cycle-to-work scheme and electric car scheme.
• Two company retreats a year, we’ve been to France, Italy, Spain, and further afield.
• A learning and development budget for everyone.
• Company-wide talks with internal and external speakers.
• Access to learning platforms like Treehouse.