Head of Credit Modelling

4 weeks ago

london, United Kingdom Amplifi Capital Full time

About Us:

One-third of the UK’s working-age population is unable to access mainstream financial services. These individuals are excluded from affordable credit and underserved by traditional financial institutions. Our purpose is “To improve the nation’s financial health through accessibility, affordability, and community.”

We are a fast-growing social FinTech company, empowering not-for-profit Credit Unions in the UK with cutting-edge technology. Our goal is to transform a select group of Community Lenders into a network of challenger banks that provide a viable alternative to high-cost lenders.

With a small yet dynamic team of over 250 people, we offer the opportunity to make an immediate impact and grow with us. We currently serve over 120,000 customers, and this number continues to grow rapidly. Our leadership team combines over 100 years of experience at leading financial institutions, including Credit Suisse, UBS, NatWest, Capital One, and Barclays.

The Role:

At Amplifi, credit analytics are central to enabling sustainable growth while delivering excellent customer outcomes. As the Head of Credit Risk & Analytics, you will be responsible for designing, implementing, and optimising credit strategies that drive business performance while effectively managing risk.

This is a critical leadership role, combining strategic oversight with hands-on analytics and collaboration across the business and with our external stakeholders. You will lead the team shaping responsible lending strategies, creating risk policies, monitoring portfolio performance, and providing insights to improve customer journey. Your expertise will help align commercial goals with regulatory requirements while ensuring best-in-class decision-making.

You will also act as the organization's credit risk expert, supporting strategic decisions, engaging with the Executive Committee, Board members, and the Credit Unions we partner with.

Requirements:

  • Build and lead a high-performing credit team, providing mentorship and supporting junior colleagues’ professional development.
  • Provide thought leadership on advances in credit risk assessment, new industry trends, data sources and products, highlighting risks and opportunities for data-driven growth.
  • Lead the design and implementation of credit assessments and responsible lending strategies to achieve sustainable growth, with a focus on unsecured personal loans.
  • Be responsible for the performance of existing strategies, iterating to improve outcomes and align with business objectives.
  • Drive initiatives to enhance credit underwriting processes, improve customer outcomes, and optimise portfolio risk.
  • Collaborate with data science, pricing, marketing, product, operations and engineering teams to evolve bespoke risk assessments and ensure good customer outcomes.
  • Support the launch of new credit risk models, optimising cut-offs to achieve best-in-class decisions which balance business growth with sound risk management practices.
  • Lead credit risk-related committees, presenting to the Executive Committee and the Credit Unions to secure alignment on key strategies.
  • Create and maintain compliant governance frameworks and policies related to responsible lending and underwriting.

This is a high impact role in a fast-growing business and hence the ideal candidate would be someone who:

  • Is self-motivated and proactive; shows ownership and initiative - Not afraid of being hands-on and possess a roll-up-your-sleeves attitude to get things done.
  • Has excellent communication and stakeholder management skills.

To be successful in this role, you should:

  • Have 8+ years’ experience in credit risk and analytics, with a proven track record in consumer lending or financial services.
  • Possess a solid understanding of lending economics, underwriting strategies, and credit models.
  • Demonstrate in-depth experience with traditional credit data (e.g. Experian, Equifax, TransUnion) and new sources (Open Banking)
  • Have strong analytical and problem-solving skills, with the ability to navigate ambiguity and make decisions based on incomplete information.
  • Demonstrate strong technical skills, including advanced SQL proficiency; experience with Python is desirable.
  • Show excellent communication and interpersonal skills, capable of articulating complex concepts clearly to stakeholders.
  • Be a proven leader with experience managing and mentoring teams in a fast-paced environment.
  • Understand the regulatory landscape and possess the ability to balance commercial goals, customer needs, and compliance requirements.
  • Competitive salary
  • 25 days annual leave
  • Discount shopping
  • Private Health Cover via Bupa
  • Cycle-to-Work Scheme
  • Subsidised nursery scheme
  • Subsidised gym membership
  • Hybrid working (2 days from home)

Commitment:

We are committed to equality of opportunity for all staff and applications from individuals are encouraged regardless of age, disability, sex, gender reassignment, sexual orientation, pregnancy and maternity, race, religion or belief and marriage and civil partnerships.

Please note that all offers of employment are conditional on us obtaining satisfactory pre-employment checks, including a DBS check, a credit check and employment references.

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