Head of Credit Analytics

Head of Credit Analytics - Consumer Lending

Manchester - Hybrid

to c.£100,000 per annum plus excellent bonus and benefits package

The Client:

• A specialist bank providing a range of lending and savings products for the UK SME and retail consumer markets.
• Celebrated for its award-winning culture and offering excellent opportunities for career progression as it looks to expand its product reach through diversification and acquisition.

The Role:

• Leading all aspects of the bank's automated lending decisioning as it streamlines credit risk analysis and launches into new product areas including a new consumer hire purchase retail offering.
• Designing and implementing consumer lending decision strategies, rulesets and scorecards supported by best-in-class modern technology.
• Owning the risk-based pricing model, reporting and monitoring automated decisioning performance.
• Feeding back performance observations and suggesting improvements to the consumer lending team including underwriting, collections and customer services.
• Assisting the finance team with the development of IFRS9 modelling and provisioning and contributing to the overall lending strategy and risk appetite of the bank.
• Supporting the data team in the management of customer application data and the technology team with the ongoing management of the decisioning engine.

The Ideal Candidate:

• Several years of experience in a Credit Analytics role within regulated financial services, ideally with exposure to consumer lending.
• Highly competent in Excel and SQL with a good working knowledge of Python, SAS or similar.
• A good understanding of Credit bureau and open banking data structures.
• Able to present, interact and influence clearly with non-technical senior stakeholders.
• Passionate about training and developing junior talent and spreading specialist knowledge.