The opportunity
š Weāre on a mission to make money work for everyone.
What you'll do
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 frameworksāsuch as credit limit decrease strategiesāto 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.
What they're looking for
- 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.
- You are a commercial, strategic credit leader with a deep understanding of: unsecured lending portfoliosāideally 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.
