Credit Risk Manager - Jordan

BRKZ

ABOUT US Backed by top regional and global VCs, BRKZ is Saudi Arabia’s fastest-growing construction-tech startup. Our web platform, mobile apps and WhatsApp channels give contractors instant access to 7,000+ building-material SKUs from 1,100+ vetted suppliers, with quotes in minutes and buy-now-pay-later financing built in. In just two years we have on-boarded 850+ contracting companies, supported giga-projects such as NEOM and King Salman Park, and scaled RFQs to $350 million while keeping positive unit economics. You can read more about BRKZ's latest news on Forbes, TechCrunch & Wamda. POSITION OVERVIEW: The FP&A Analyst will play a critical role in driving the company’s financial planning, forecasting, and analysis activities. This position requires strong analytical skills, financial expertise, and the ability to provide actionable insights that support strategic decision-making and enhance overall financial performance. The role involves working closely with senior leadership, commercial, operations, and credit teams to provide insights that shape pricing, unit economics, growth strategy, and capital allocation. WHAT YOU WILL DO (RESPONSIBILITIES) : Financial Planning & Forecasting * Build and maintain financial models to project future performance. * Lead the annual budgeting process, ensuring alignment with company goals. * Update rolling forecasts to reflect changing business conditions. Financial Analysis * Perform variance analysis to highlight trends, risks, and opportunities. * Provide insights and recommendations to senior management based on financial results. * Support strategic initiatives with scenario modeling and financial evaluation. Reporting & Dashboards * Prepare monthly, quarterly, and annual financial reports. * Design and maintain dashboards to track KPIs and performance metrics. * Analyze unit economics across customers, suppliers, products, and financing offerings * Monitor key KPIs such as GMV, take rate, contribution margin, CAC, LTV, and credit performance * Ensure reporting accuracy, timeliness, and compliance with standards. * Support board materials and ad-hoc strategic analyses Business Partnering * Collaborate with department leaders to understand financial needs. * Act as a trusted advisor to guide informed decision-making. * Contribute financial expertise to cross-functional projects. * Partner with credit and risk teams to analyze loan performance, portfolio profitability, and loss drivers * Deliver clear, actionable insights to non-finance stakeholders Process Improvement * Identify opportunities to improve FP&A processes and efficiency. * Utilize financial systems and tools to streamline reporting and analysis. * Stay current with industry best practices and emerging trends. * Work closely with data and accounting teams to ensure a single source of truth WHO YOU ARE (QUALIFICATIONS) :  Must Have * Bachelor’s degree in Finance, Accounting, Economics, Business Administration * 2–4 years of experience in FP&A, corporate finance, or related roles. * Advanced proficiency in financial modeling, forecasting, and variance analysis. * Solid understanding of P&L, cash flow, and balance sheet dynamics * Ability to translate data into clear business insights * Strong communication skills and comfort working cross-functionally * Strong command of Microsoft Excel and financial systems  * Ability to take ownership of tasks, own projects end to end, and keep up with a fast paced, impact-driven environment Nice to Have * Professional finance qualification (CFA, ACA, ACCA, CIMA) preferred * Exposure to credit, risk, or financing products * Experience working in or with construction, supply chain, or B2B commerce WHAT WE OFFER: * Excellent opportunity to be part of a start-up with a lot of responsibility and independence early on and where you will have an impact on the entire business. * The best idea wins; we are all ears when it comes to ways to do things better. * You’ll get to experience unique technology built to empower your experience in the company and help you better serve the customers. * Exciting stock options. * Attractive compensation package with access to Premium Health Insurance  * Product first mindset.   ---------------------------------------------------------------------------------------------------------------------------------- Check our guide on How to prepare for your interviews with BRKZ 🚚🏗️ Pls note : Certain positions eventual grading might be subject to interview performance, this allows great talent to shine regardless of years of experience and keeps a fair process based on how big of an impact you deliver in the organization.

Lendable

ABOUT LENDABLE Lendable is on a mission to build the world's best technology to help people get credit and save money. We're building one of the world’s leading fintech companies and are off to a strong start: * One of the UK’s newest unicorns with a team of just over 700 people * Among the fastest-growing tech companies in the UK * Profitable since 2017 * Backed by top investors including Balderton Capital and Goldman Sachs * Loved by customers with the best reviews in the market (4.9 across 10,000s of reviews on Trustpilot) So far, we’ve rebuilt the Big Three consumer finance products from scratch: loans, credit cards and car finance. We get money into our customers’ hands in minutes instead of days. We’re growing fast, and there’s a lot more to do: we’re going after the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks with dated systems and painful processes. JOIN US IF YOU WANT TO 1. Take ownership across a broad remit. You are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1 2. Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo 3. Build the best technology in-house, using new data sources, machine learning and AI to make machines do the heavy lifting About The Role We’re looking for an analytically-minded Credit Risk Manager to lead a team of analysts, to help drive meaningful change in one of our consumer finance products in the UK or USA markets. This role is ideal for someone who is confident with data, comfortable coding, and eager to solve complex problems. You'll be part of a collaborative, ambitious organisation where ideas are encouraged and bureaucracy is minimal. Your work will have a tangible impact, driving strategic decisions and enhancing our portfolio performance. Your team's objectives Our credit teams are building high performing portfolios, with bold growth targets and a commitment to responsible lending. Within the credit function, our core responsibilities include: * Optimising credit decisioning: who to lend to, how much to lend, and at what interest rate. * Assessing and adapting to external economic conditions. * Developing and owning models that forecast returns and guide investor reporting. How you'll impact those objectives * Define and refine credit strategies that align with our evolving portfolio goals. * Discover insights from data using tools like Python and SQL to address key business questions. * Collaborate cross-functionally with product, engineering, data, and operations teams to implement strategies. * Monitor and assess the success of implemented strategies and continuously identify areas for improvement. What you'll need to succeed  Daily coding experience, with proficiency in Python and SQL ideally * Proven experience in credit risk strategy, ideally within consumer lending. * A strategic mindset and the ability to translate complex data into clear, actionable decisions. * A focus on delivering results that align with both commercial and customer needs. * A collaborative, open approach and a willingness to challenge your own assumptions * Experience leading and developing junior analysts Interview Process We’re not corporate, so we try our best to get things moving as quickly as possible. * An initial phone conversation with a member of our team. * Onsite interviews, including a practical case study and team conversations. * A final discussion with a member of our executive leadership (C-suite). LIFE AT LENDABLE * Winning team: the opportunity to scale up one of the world’s most successful fintech companies * Flexible working: flexible approach tailored to each role. Hybrid roles require three days in-office weekly; fully remote roles include regular opportunities for in-person connection through socials and off-sites * Socials & connection: opportunities and events to come together, socialise, and get to know each other beyond the office walls * Health coverage: support for your physical and mental wellbeing, including private health cover * Retirement & savings: long-term financial wellbeing through retirement savings plans * Employee referral programme: earn a competitive bonus when you refer successful new team members * Office meals & snacks: enjoy a fully stocked kitchen, plus complimentary lunches prepared by in-house chefs on in-office days at select locations * Sustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locations Please note: The availability and details of specific benefits vary by location and role. For more information, please speak to your Talent Partner. Check out our blog!

Monzo

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us.  With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ ----------------------------------------------------------------------------------------------------------------------------------   📍London or Remote (UK)  | 💰£100,000 - £130,000 + Incentive Awards tied to your performance +  Benefits | Data Team, Borrowing  About the team: Our Borrowing (lending) business is growing rapidly across both existing products and the planned launch of new initiatives. We aim to create a genuine feel-good factor when it comes to personal credit, and are looking for driven, analytical and creative individuals to help us achieve this goal. With our Flex product we’re reinventing credit cards to give customers more visibility and control over their spending. With our Flex product, we’re reinventing credit cards to give customers more visibility and control over their spending. Flex portfolio management is currently in its infancy—meaning this role is a true "zero-to-one" blank canvas. Flex behaves differently from a standard credit card, so we are looking for a highly strategic Credit Risk Manager who can challenge legacy banking assumptions, think from first principles, and put the customer at the heart of our lifecycle strategies. You will lead an initial team of 3 credit analysts (with scope to grow the team over time) to unlock massive P&L and customer engagement potential on a rapidly growing portfolio. While the immediate focus is scaling safely in the UK, you will help lay the groundwork for a global footprint as Monzo expands into Europe. Our credit teams are part of our Data Discipline which drives a strong culture of data-driven decision making across the whole company. We’re great believers in powerful, real-time analytics and empowerment of the wider business. All our data lives in one place and is super easy to use. 90% of day-to-day data-driven decisions are covered by self-serve analytics through Looker which gives analysts the head space to focus on more impactful business questions and analyses. Join a team where your ideas can rapidly transform into reality, leveraging our cutting-edge technology and agile ways of working. Our credit analysts and managers are fully embedded into a product squad alongside Product Managers, Engineers, Designers, Marketers, Customer Researchers, Data Scientists etc. This enables us to solve customer problems in a fast paced and innovative way. Your day-to-day: * Own Portfolio Monitoring & Forecasting: Build and oversee robust performance frameworks to monitor and forecast both risk and revenue metrics, ensuring our rapidly growing portfolio scales sustainably. * Drive Contractual Pricing Strategies: Architect and optimise an ongoing risk-based pricing program that balances commercial viability and fair customer outcomes. * Fuel Engagement & Retention Loops: Design and deploy sophisticated credit strategies for lifecycle events, including product upgrades, engagement incentives, and balance transfer propositions that deepen customer loyalty. * Execute Data-Driven Loss Mitigation: Develop proactive risk management frameworks—such as credit limit decrease strategies—to safely mitigate losses and support financially vulnerable customers. * Lead and Nurture Talent: Manage, coach, and scale a high-performing team of 3 credit analysts, fostering a culture of technical excellence, continuous learning, and strong commercial focus. * Cross-Functional Squad Collaboration: Act as the embedded credit risk expert within a multi-disciplinary squad, working side-by-side with Product, Engineering, Design, Marketing, Customer Research, and Risk & Control. * Cross-functional Leadership: Build deep collaborative ties with wider credit functions and manage relationships with 2nd Line Credit Risk, Legal, and Compliance, while translating complex data into clear narratives for executive-level stakeholders. How we work: Our main tech hub is in London, but our data teams are based all over the UK — from Brighton to the Western Isles. We love meeting in person, but there’s no pressure to come into the office, even if you’re nearby. You’ll do your best work where you feel most comfortable. We value flexibility, connection, and wellbeing. You’ll have the freedom to work in a way that fits your life, whether that’s school drop-offs, avoiding rush hour, or making time for what matters most. Work the way that works for you at Monzo! 💼 You should apply if: What we’re doing here at Monzo excites you! * You are a commercial, strategic credit leader with a deep understanding of unsecured lending portfolios—ideally with exposure to credit card lifecycle management. * You thrive in ambiguous, "zero-to-one" environments. You love building strategies from scratch, questioning traditional banking norms, and working at pace. * You have portfolio management experience, including risk-based pricing, retention, product upgrades, and loss mitigation strategies. * You are a champion for both Credit and Conduct Risk. You naturally balance sharp credit instincts with a passion for protecting customers and delivering delightful experiences. * You are an exceptional stakeholder manager and storyteller. You can smoothly collaborate with engineering squads, align with legal and compliance partners, and influence up to executive leadership. * You love developing people. You have a proven track record of leading analytical talent and are energized by the prospect of managing and growing a high-impact team. * You have strong technical and data capabilities. You are comfortable digging into data yourself and driving a data-first culture (SQL is a must-have; Python and Looker experience is a plus). The Interview Process: Our interview process involves 3 main stages. We promise not to ask you any brain teasers or trick questions! * Recruiter call  * Initial call with the hiring manager  * Final loop of interviews meeting the team Our average process takes around 3-4 weeks but we will always work around your availability.  What’s in it for you: ✈️ We can help you relocate to the UK  ✅ We can sponsor visas 📍This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London). ⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team. 📚Learning budget of £1,000 a year for books, training courses and conferences ➕And much more, see our full list of benefits here #LI-COD #LI-REMOTE ---------------------------------------------------------------------------------------------------------------------------------- Equal opportunities for everyone Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report. We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊