Senior Credit Strategy Manager
Core
Lead credit strategy for the Express/Mid-prime unsecured personal lending segment, balancing profitable growth with credit quality in a higher-APR marketplace environment.
Role type
Senior Credit Strategy Manager (Consumer Lending)
Builds
Unsecured personal loans (£2k–£10k) for mid-prime customers acquired via price-comparison and aggregator marketplaces.
Domain
Consumer Finance / Fintech / Credit Risk / Open Banking
Deliverable
Production ML models | product features
Required skills
Credit risk strategy, commercial strategy, portfolio management, adverse selection management, risk-based pricing, underwriting strategy, data science partnership, unit economics analysis, performance monitoring
Preferred skills
Experience scaling higher-risk segments, marketplace acquisition mechanics, cashflow underwriting, governance and reporting frameworks
Technologies
Open Banking, Aggregator marketplaces, Credit scoring models
Responsibilities
Own design and execution of credit strategy for the Express/Mid-prime segment; Lead quoting and offer optimization across marketplaces; Manage adverse selection in marketplace-acquired lending; Partner with data science to calibrate credit models; Optimize portfolio economics balancing growth and loss rates; Monitor portfolio performance across the customer lifecycle; Shape underwriting strategy and decisioning logic; Evaluate impact of strategy changes and translate to action; Own management information and performance reporting; Partner with product and commercial teams on new initiatives; Identify and escalate emerging risks; Contribute to governance forums and senior discussions; Support external reviews and due diligence.
Seniority
Senior, hands-on IC with strategic ownership