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Our client is going through an exciting new phase of growth and is looking for a motivated individual who is an expert in credit risk and is passionate about leveraging data & technology to transform the lending journeys. To realise this ambition, our client is looking for an expert to lead the credit risk & data science team. As a senior member of the business, the incumbent will act as delegate to the Chief Risk Officer on all credit risk matters working closely with Management and funding partners; with additional responsibility for developing the data science practice bringing market leading modelling & analytical experience to the organisation This is a rare opportunity to join a fast-paced, forward-thinking organisation at a pivotal point in its growth and help share the company’s future. If you seek to be part of a highly motivated team with a blend of experience across multinational banks, consumer finance lenders and start-ups, then please reach out. I would love to speak to you! Must have experience of working in the retail credit risk/B2C space. Key Responsibilities & Accountabilities: Portfolio performance • Ensure that the loan book performs within the appetite set by the Board and agreed with funders; while maximising portfolio profitability, • Be accountable for all aspects of credit risk management – portfolio quality, scoring models, credit policy, loss forecasting and collections analytics., • Embed a data driven, analytical approach to all credit & business decisions – monitoring performance, identifying profitable growth opportunities and taking timely actions to mitigate emerging risks. Commercial • Work with front line teams in building superior customer journeys, penetrating new customer segments and increasing profitable sales, • Continually seek to improve customer experience and quality of lending decisions by leveraging data & emerging technologies, • Collaborate with operations by providing analytical & strategy support on a day-to-day basis Leadership • Deputise for the CRO on credit matters acting as a Subject Matter Expert in all stakeholder discussions including funders, regulators and auditors., • Keep abreast of trends and wider consumer lending industry; be a confidante to the Executive Committee on all matters which can improve business and customer outcomes., • Act as a role model espousing the values of ownership, integrity and transparency at all times. Knowledge & Skills: • Commercially minded, data driven with an entrepreneurial mindset, • Expert in retail credit risk or lending product management underpinned by a strong analytical background., • Deep understanding and hands-on experience of managing a consumer lending portfolio (auto loans, credit cards, personal loans, mortgages), • Numerate (Mathematics, Statistics, Computer Science, Economics, Physics or Engineering) with superior academic & professional pedigree – someone who prides in being the best in their field., • Professional who espouses a can-do attitude with a desire to work in a fast-paced environment, • Excellent communicator who can work across diverse stakeholder groups; comfortable presenting and explaining technical information in a non-technical way, • Individual with high integrity, relationship building skills and commands respect of juniors, peers and seniors at all times