Senior Credit Risk Manager

Our client is an innovative fintech organization transforming the consumer payments and lending experience through advanced technology, machine learning, and data-driven decisioning. With strong backing and a growing presence in the Japanese market, the company offers a dynamic environment for professionals seeking to shape the future of digital finance.

The Opportunity

We are seeking an experienced Credit Risk Manager to lead the development and optimization of credit strategies across underwriting, exposure management, and portfolio monitoring. This individual will play a critical role in balancing growth, customer experience, and risk performance while partnering closely with Data Science, Product, and Executive stakeholders.

Key Responsibilities

• Lead the end-to-end credit policy lifecycle from concept through implementation and monitoring.
• Develop and refine underwriting and limit management strategies.
• Monitor portfolio performance and identify emerging credit trends.
• Improve forecasting capabilities and support proactive decision making.
• Partner with Product and Data Science teams to optimize risk controls and customer experience.
• Provide risk expertise for new products and business initiatives.
• Lead and develop risk team members.

Requirements

• 8+ years of experience in credit risk, fintech, financial services, or related analytical functions.
• Proven ability to develop data-driven strategies that deliver business outcomes.
• Strong SQL and Python (or R) skills.
• Experience working with cloud technologies and version control tools is preferred.
• Excellent stakeholder management and communication skills.
• Business-level English required; Japanese language capability is advantageous.
• Prior people leadership experience.