Risk

About the Role A fast-growing fintech leader in the consumer credit space is seeking a Credit Risk Manager – Acquisition Strategy to join their high-impact team. This is a unique opportunity to shape the future of credit risk strategy at a company focused on expanding responsible credit access to underserved consumers using advanced analytics and machine learning. In this role, you’ll lead the development and optimization of acquisition strategies, balancing risk and growth through data-driven credit decisioning. You’ll work cross-functionally with product, data science, and compliance teams to deliver scalable solutions that drive profitable customer acquisition and portfolio performance. Key Responsibilities Acquisition Strategy & Credit Risk ManagementDevelop and refine credit risk policies for new customer acquisitions across loan and credit products.Design and implement underwriting strategies that align with business goals and risk appetite.Utilize advanced analytics and machine learning to enhance credit decisioning models.Collaborate on risk-based pricing, credit limit assignment, and segmentation strategies.Monitor performance trends and economic indicators to adjust acquisition tactics in real time.Data Analytics & Risk ModelingIncorporate alternative data sources (e.g., behavioral data, cash flow) to improve underwriting efficiency.Partner with data scientists to develop and validate credit risk models.Conduct A/B testing to assess and optimize acquisition performance.Track KPIs such as approval rates, early delinquency, and customer lifetime value.Regulatory & ComplianceEnsure underwriting practices align with applicable regulatory standards (e.g., CFPB, OCC).Collaborate with legal and compliance teams to uphold fair lending and consumer protection practices.Stay informed on regulatory developments impacting subprime and non-prime lending.Qualifications5+ years’ experience in credit risk, acquisition strategy, or consumer lending analytics.Strong knowledge of credit bureau data, alternative data, and risk model development.Experience with subprime or near-prime lending preferred.Proficiency in SQL and one or more of: Python, R, or SAS.Exposure to machine learning in a credit risk context is a strong plus.Bachelor’s degree in a quantitative or financial discipline (Master’s preferred).Exceptional analytical, communication, and problem-solving skills.What’s On OfferSalary up to $190,000, plus performance-based bonusComprehensive benefits packageRemote-first flexibility with optional hybrid workWork alongside a highly skilled, collaborative team of data scientists and risk expertsCareer growth in a mission-driven, innovation-focused fintechReady to Make an Impact? If you’re passionate about data-driven decision-making, fintech innovation, and empowering underserved consumers, we’d love to hear from you.

Job Title: Risk Manager Department: Risk & Compliance Location: [Bath-based Office] – Hybrid working model (2 days in office) Reports to: Head of Risk About the Company Our client is a leading player in the wealth management and financial services sector, recognised for their award-winning service and innovative technology platform. With significant investment backing and a clear growth trajectory, they’re transforming the way wealth management services are delivered in the UK. With a team of approximately 300 professionals, they are committed to delivering excellence, supporting professional development, and fostering a collaborative culture. The Opportunity This is a pivotal role within the second line of defence, responsible for supporting the delivery and ongoing enhancement of the group-wide Enterprise Risk Management Framework. The Risk Manager will partner with first line business functions to support effective risk identification, assessment, and assurance, while fostering a strong risk-aware culture across the organisation. Key ResponsibilitiesEnsure the Enterprise Risk Management Framework is embedded and effectively operated across the group.Support the identification, description, and assessment of key business risks.Lead incident management oversight, closure approval, and trend analysis.Provide pragmatic and regulatory-informed risk advice to support business decision-making.Deliver second-line assurance via a structured control assessment programme.Apply the organisation’s risk appetite to assessments and escalate concerns where appropriate.Assist in regulatory risk capital processes and internal capital adequacy assessments (ICARA).Promote risk awareness and accountability at all levels of the business.Develop and maintain clear and impactful risk reporting for executive and board-level audiences.Collaborate with Compliance, Internal Audit, and other teams on risk mitigation strategies.Actively contribute to the delivery of excellent service outcomes for end clients.Key Skills and Experience RequiredStrong operational risk management expertise within a financial services or wealth management environment.Experience in designing and implementing risk frameworks, policies, and risk appetite models.Proven ability to deliver clear, concise Risk MI and reporting.Knowledge of RCSAs, KRIs, incident and control management.Skilled in presenting to senior stakeholders and managing cross-functional relationships.Comfortable interpreting regulatory guidance and complex risk scenarios.Strong analytical, negotiation, and project management skills.DesirableRelevant risk qualifications (e.g. IRM Diploma, IAQ, etc.)Knowledge of SIPP, ISA, GIA, or Bond productsExperience with outsourced service providers and third-party oversightBackground within platform services or discretionary fund managemen

Broadgate are excited to be partnering with an International Bank who are looking for a VP Credit Risk to join during a period of growth:Key ResponsibilitiesPortfolio ManagementActively manage a designated portfolio of corporate clients.Conduct due diligence and periodic credit reviews to assess risk exposure.Analyze credit risk, determine accurate risk ratings, and provide timely recommendations to management.Prepare detailed credit analyses and applications in line with internal policies and regulatory requirements, evaluating industry, business, legal, and financial risks.Independently coordinate and communicate key account information across various bank divisions, including business lines, product groups, and credit teams.Maintain direct engagement with assigned customers to monitor financial performance and risk profile.Deal Structuring & SupportCollaborate with business lines and product groups to evaluate potential transactions.Identify structural risks and recommend risk mitigants for new deals.Advise account officers on credit risk issues, terms, and conditions to structure optimal transactions that maximize returns while minimizing credit costs.Independently liaise with credit division stakeholders, ensuring all relevant financial and risk analyses are provided with minimal oversight.Policy & ComplianceEnsure adherence to internal credit policies, procedures, and external regulatory requirements.Contribute to ad-hoc policy discussions aimed at enhancing the organization’s credit risk framework.Mentorship & DevelopmentProvide training and guidance to junior analysts, supporting their professional growth and technical skill development.Lead junior analysts through complex credit assessments and underwriting processes.Foster a collaborative environment to enhance analytical capabilities across the team.Qualifications & Experience7–10 years of experience in financial institutions, with a focus on corporate credit risk analysis.3–5 years of industry-specific experience in Technology, Healthcare, or Consumer Retail, particularly with large and mid-sized corporates.Strong expertise in corporate credit analysis, risk management, and financial modeling.At least 2 years of experience analyzing investment banking products, including asset-based lending (securitization, leasing), trade finance, and structured finance risks.Proven experience underwriting M&A transactions, including merger analysis and valuation.Deep understanding of loan documentation, corporate finance structuring, and risk assessment.Experience interacting with regulators and addressing regulatory compliance findings.Strong organizational and time-management skills.

Broadgate are excited to be partnering with a leading International Bank looking for a Credit Officer to join in New YorkRole OverviewWe are seeking an experienced Credit Officer to manage the Energy portfolio (Oil & Gas, Power) with a strong focus on risk assessment, portfolio management, and deal structuring. This role requires close collaboration with business lines, product groups, and credit divisions to ensure prudent risk management while supporting business growth.Key ResponsibilitiesPortfolio ManagementActively manage a designated portfolio of corporate clients within the Energy sector.Assess credit risk, assign accurate ratings, and recommend timely updates to management.Conduct detailed credit analysis and prepare credit applications aligned with internal policies and regulatory requirements.Collaborate with business teams to balance portfolio growth with sound risk management.Independently communicate critical account updates to internal stakeholders.Perform due diligence and regular portfolio reviews to ensure compliance with external regulations and internal policies.Mentor and support junior team members in credit risk analysis.Deal Structuring & SupportWork with business lines to identify and evaluate new transactions.Assess structural risks and recommend mitigants to optimize deal structures and covenants.Advise account officers on credit risk issues and negotiation strategies to maximize profitability while minimizing risk.Independently communicate with credit divisions, providing comprehensive analysis to support decision-making.Preferred Qualifications5+ years of experience in credit and/or portfolio management within the Energy sector at a financial institution.Strong expertise in corporate credit analysis, risk assessment, and underwriting leveraged loans.Advanced financial modeling skills to assess repayment capacity.Deep understanding of loan documentation and structural risks in corporate finance.Familiarity with regulatory requirements in Japan (FSA, BOJ) and the U.S. (FRB, FDIC).