Senior Credit Risk Manager

What’s Yonder? “It's as if Time Out, Amex and Monzo had a baby” - Will T, Yonder Member Yonder is a credit or debit rewards card that is designed to be fair, flexible, and actually enjoyable to use. No confusing terms. No dusty points system. Just rewards that actually feel rewarding - from bao to beers to a boarding pass. If you want to work somewhere that's at a genuine inflection point, and on a product that our members really love, come Yonder with us. Sounds cool. What’s my part in this? We’re looking for a Senior Credit Risk Manager to own underwriting strategy end to end. This includes setting risk boundaries, the decisioning rules and models that action it, and the portfolio outcomes that prove it worked. This is a senior, hands-on role, and will have significant exposure to leadership who are committed to supporting the right outcomes. You'll work with the CRO and the wider credit risk team to not only set strategy but to also build it. This means writing the rules, running the analysis, defending the numbers to leadership and the regulator, and adjusting quickly when the data tells you to. We move faster than a bank because there's no red tape between a good idea and a live test. We need someone senior enough to be trusted with that speed responsibly. What you'll do Leading underwriting strategy. You'll own the strategy for new and existing members, balancing responsible lending, portfolio performance and receivables growth within our agreed credit risk appetite. Designing, testing and refining strategy across the lifecycle. Application scoring, affordability, price and line setting, and price and line management - you'll build and continuously improve all of it. Managing pricing and line dynamics by channel to optimise both growth and return . Understanding channel risk, return on investment and pricing to optimise our revenue and margin growth. Translating strategy into production. You'll build and maintain decisioning rules and policy directly in our decisioning engine, not hand them off for someone else to implement. Leading portfolio monitoring. You'll make sure vintage curves, arrears, roll rates and early warning indicators are tracked, and turn unfavourable metrics into clear and timely strategy adjustments. Driving the credit risk narrative for governance. You’ll own the analysis and materials supporting Credit Committee, Board and regulatory engagement, and will be expected to present and defend your recommendations. The CRO retains overall accountability for Yonder’s credit risk position and risk appetite. Partnering closely with Finance, Fraud, Collections, Marketing and Product. Underwriting strategy touches all of them, and none of them should hear about a change after it's live. Identifying the required data to deliver a step change in our decisions. You’ll be on the hunt for additional internal and external data that can materially improve risk selection, affordability, pricing and line…