Curve was founded with a rebellious spirit, and a lofty vision; to truly simplify your finances, so you can focus on what matters most in life.

That’s why Curve puts your finances simply at your fingertips, so you can make smart choices on how to spend, send, see and save your money. We help you control your financial life, so you can go out and live the life you want to live.

With Curve you can spend from all your accounts, track spend behaviour and provide insights, and security to protect you from fraud. For the first time giving you bright insights and control of all your money in one beautiful place.

We’re developing a ground-breaking product with our customers at the core. Our user base is growing rapidly and we have exceptional metrics. We have funding from the leading names in tech investment, and a visionary leadership team who wants everyone who joins this remarkable adventure, to have the autonomy to masterfully develop their expertise.

Welcome to Curve. On a mission to help you live inspired.

Curve is seeking a dynamic and analytical Credit Risk Manager to join our team. The ideal candidate will have a strong background in data-driven approaches to optimise portfolio performance, specifically in the context of consumer lending.

The candidate will utilise real-time, unique data and payments technology to drive credit risk strategies and improve our lending products. This role requires a sophisticated understanding of data, regulatory awareness, and a creative mindset to innovate in the fintech space.

Key Accountabilities:

• Develop and implement credit risk strategies to optimise portfolio performance using data-driven insights.
• Utilise real-time data and advanced payment technologies to assess and manage credit risk effectively.
• Analyse consumer lending data to identify trends, risks, and opportunities for improvement.
• Collaborate with cross-functional teams, including data science, product development, and compliance, to integrate credit risk management into product offerings.
• Monitor and report on the performance of credit risk strategies and adjust as necessary to achieve business objectives.
• Ensure compliance with relevant regulatory requirements and guidelines.
• Develop and maintain risk models and scoring systems to support decision-making processes.

Skills & Experience:

• Proven experience in credit risk management, preferably within a fintech or consumer lending environment.
• Experience interacting and negotiating with third parties such as private debt funds, structured lenders, and ratings agencies.
• Strong analytical skills with the ability to interpret complex data sets and draw actionable insights.
• Proficiency in data analysis tools and software, knowledge of developing and deploying ML.
• In-depth knowledge of regulatory requirements and compliance in the financial services industry.
• Creative problem-solving abilities and a strategic mindset.
• Ability to work collaboratively in a fast-paced, dynamic environment.



Benefits:

• 25 days plus bank holidays
• Bonus days off for Learning & Development, Mental Wellbeing, Birthday, Moving House & Christmas
• Working abroad policy (up to 60 calendar days per year)
• Bupa Health Insurance (YuLife)
• Life insurance powered by AIG (5x Annual Salary)
• Pension Scheme powered by “People’s Pension” (4% Matched)
• EAP (Mental health & wellbeing support, Life coach, Career coach)
• 24/7 GP access (Smart Health via YuLife)
• Annual subscriptions to Meditopia & FIIT for your mind and body (via YuLife)
• Discounted shopping vouchers (via YuLife)
• Enhanced parental leave
• Ride to work scheme & Season ticket loan
• Electric car scheme
• Six nights of Night Nanny for new parents
• Free Curve Metal subscription for you and your +1