Fullstack credit manager

Every lending decision we make shapes someone’s financial life. We’re looking for a seasoned credit champion who makes those decisions with confidence: someone who sees the bigger picture, spots the opportunity, and takes an idea all the way from hunch to live test to scaled result. Along the way, you’ll make credit fairer for tens of thousands of customers.Why FairloFairlo started because our founders, Jimmy and Shamon, watched a big bank push their mother deeper into debt instead of helping her out. So we built the opposite: credit that’s transparent, flexible and on the customer’s side.Since 2018 we’ve helped tens of thousands of people, with 50,000+ active customers and a 4.7 Trustpilot rating from over 4,700 reviews. We’re around 50 people across Stockholm, Crete and the UK, and we’re on our way to becoming a bank.The roleThis is a hands-on credit role with real responsibility for someone who wants both the mandate and the keyboard. You’ll be part of setting the direction for our credit strategy and make the calls on who we lend to, how much and at what price. Then you’ll put those changes live yourself. You care as much about growth and profitability as about losses. You’re comfortable making decisions, standing behind them, and changing course when the data tells you to.We’re testing new data, new scores and new offers all the time. You’ll be at the centre of that, working alongside our credit risk managers in Sweden and the UK and our data scientists who build the models. You’ll also help shape how credit works as we prepare to become a bank.What you’ll doContribute to our credit strategy and policy: set the direction and decide who we lend to, how much and at what price, through cut-offs, rules, limits and pricingBalance growth, risk and profitability, with clear views on expected default rates, unit economics and lifetime valueTake your ideas from hypothesis to production yourself, and keep a steady stream of champion/challenger tests runningMonitor portfolio performance, vintages, arrears and provisioning, build warning indicators, and act early on what you findWork with marketing on who to target, what to offer and through which channelFind the good customers we’re missing, including those who never ask for a higher limitTurn new data, such as open banking, into practical credit rules, bringing in our data scientists where a model is neededWork with collections and customer teams on fair treatment of customers in financial difficultyBuild a scalable, automation-driven approach to credit analysis and reportingContribute to our regulatory readiness as we become a licensed bankWhat we believe you bring5+ years in consumer credit, ideally at a fintech or digital lender, across more than one part of the lifecycleA track record of both setting credit strategy and executing it: changes you decided on, took from analysis to production and followed through to resultsSound judgement: you make decisions with data, stand behind them, and adjust when the results tell you toStrong SQL, and comfortable analysing data in Python or ExcelFamiliarity with credit scoring, pricing and forecastingCommercial instinct: you think in conversion, unit economics and lifetime value, not just default ratesCreativity: when the obvious two options don’t work, you find a thirdOwnership: you see an idea through to the finish in a small team, without waiting to be toldClear and concise communication: you can explain a credit decision to a marketer, a campaign to a credit committee and a strategy to leadershipEven better if you haveHands-on experience with open banking or PSD2 transaction dataExperience configuring a decision or rules engineGrowth or marketing analytics alongside creditCollections, affordability or forbearance experienceKnowledge of the Swedish credit market, its regulation and bureau dataExperience from a credit institution, niche bank or banking licence processJoining Fairlo meansBeing part of building the financial world you would like to live inHealth insurance, pension at ITP level and a health and wellness allowance30 days of vacation per year plus klämdagar offThe possibility to use the Fairlo Cretan house for both work and vacation staysThe possibility of bike leasingA hybrid working model with a top-location office in StockholmBeing part of a team that supports one another, has fun together and thrivesWhere you’ll workMostly from our Stockholm office on a hybrid model, with occasional trips to our tech hub in Crete and our UK team.If you want to shape the future of fair credit, and build it yourself, we’d love to hear from you.