Credit Risk Manager

📋 Description

• Owning credit performance, data science and reporting in Spain end to end
• Building and owning our local decisioning model and decisioning features
• Owning our API integrations, and relationships, with all local data providers
• Working closely with our local product, tech, underwriting and operations teams to constantly tweak and develop new features
• Appreciation of the trade-off between risk and growth, and the levers we have to drive both
• Understanding, evaluating and localizing what’s worked in the UK and adapting what makes sense to the local market

🎯 Requirements

• A rigorous, disciplined, hands-on professional with ownership and accountability
• Around 5 years’ experience in a numerate, analytical, or risk-focused role in Spain
• Experience across consumer lending products such as UPL, BNPL, Mortgages or Auto finance
• Experience producing, reviewing, or owning MI in a multi-product or multi-channel environment
• Familiarity with credit risk performance metrics, portfolio monitoring, concentration analysis, and performance triggers
• Strong written and verbal communication for senior audiences; able to present complex topics clearly
• Comfortable working with data scientists; not a deep data scientist

🎁 Benefits

• Ownership of a critical role supporting Abound’s growth and expansion into new products and markets
• Work closely with the local Spanish team, CRO, senior leadership, product teams and external stakeholders
• Shape scalable, best-in-class credit and product risk reporting and governance
• Operate in a high-trust role with real responsibility, visibility and impact