Job Description

You’ll be leading teams of high performing analysts that are responsible for developing pricing and credit strategies that drive growth in our lending products, whilst also driving improvements in credit performance. You’ll work with our cross-functional teams including sales, data science, product, tech and operations to develop and drive growth strategies, influence strategic decisions and identify new opportunities through the application of cutting edge analytical techniques.

• Lead our credit strategy and agenda with a focus on business growth and resilience
• Mentoring and managing the team and environment for individuals to unleash their potential
• Developing and maintaining automated and manual credit, affordability, fraud and asset risk policies
• Using a new scorecard to make decisions, doing swap analysis and understanding the risks
• Building NPV models to inform lending decisions and marketing strategy
• Deciding on pricing for loans customers
• Using analytics to develop existing customer loan strategies
• Designing tests on pricing accept/decline decisions

Required Knowledge, Skills, and Abilities

• At least 8+ years of credit risk experience spanning both analysis and credit strategy
• Exceptional analytical ability combined with good judgment
• A deep understanding of credit, asset and fraud risk combined with a very high level of commercial awareness
• The ability to set an overarching agenda and inspire your team to refine and deliver
• Strong understanding of the regulatory environment, keeping the customer in mind when developing lending strategies
• The ability to thrive in a fast-paced environment and influence the leadership team to drive business-impacting change