Head of Credit Risk Acquisitions

2 weeks ago


London, Greater London, United Kingdom Harnham Full time

Head of Credit Risk Acquisitions and Underwriting

London

Up to £140,000 + Competitive Benefits


A fast-paced, established lender is seeking a Head of Credit Risk Strategy with experience developing and optimising Credit Risk Underwriting and Acquisition Strategies within the unsecured lending space.

Currently, with 6 direct reports, you'll lead a teamof Managers and Analysts to deliver innovative Underwriting Strategies, balancing high growth with quality credit.

You'll own the strategic agenda for all front-end initiatives across the product suite including Credit Limit assignments and Pricing, but alsofor marketing to new customers, creditworthiness and affordability tools, eligibility checks etc.


This is the chance to make an impact in a growing lender with huge potential whose competitive advantage lies in there data capability, cutting-edge processes and hugely talented team.


THE ROLE:

  • Lead a team of Credit Risk Managers and Analyts to grow out the unsecured lending portfolios, whilst also minimising impairment losses
  • Leadership role for all front end initiatives including Underwriting policies, Acquisition strategies etc as well as inputting into the risk based pricing strategy
  • Strategic credit lead on new customer marketing strategies, including the optimisation of marketing selection credit criterion, eligibility checking, preapprovals across all new customer marketing channels
  • Analytical lead on new customer marketing and credit decision processes
  • Work crossfunctionally with different teams and stakeholders to achieve business goals
  • Be a leader within the business

SKILLS AND EXPERIENCE:

  • Experience designing, developing and implementing Credit Risk Acquisition strategies within the unsecured lending space
  • Experience maintaining, monitoring and optimising a Acquisition strategies
  • Team leadership experience required
  • Involvement with the building and monitoring of scorecards and Credit Risk models preferred
  • A background in programming with Python, SAS or SQL are highly desirable
  • Highly numerate degree required

THE BENEFITS:

  • Up to £140,000
  • Average £20,000 bonus
  • Pension up to 21%
  • Drive the strategic direction of a growing lender

HOW TO APPLY:

KEY SKILLS:

Credit Risk Analysis, Portfolio Analysis, SAS, SQL, Retail Banking, Strategy, Commercial, Acquisitions Strategy, New Business Strategy, Loan Optimisation, Collections Strategy, Existing Customer Management, Portfolio Analytics, Product Strategy, DigitalOptimisation, Marketing Analytics, Underwriting Policies, Affordability, Creditworthiness
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