Director/Head of Credit Risk & Portfolio Management

What You’ll Do:
1. Underwriting & Policy Oversight

• Risk Budget Optimization: Define and manage the risk budget, focusing on optimizing usage to meet business targets rather than simply minimizing risk
• Credit Decision Logic: Own the development and refinement of approval rules, credit cut-offs, limit assignments, and pricing logic
• Top-of-Funnel Monitoring: Continuously monitor the "through-the-door" applicant mix to ensure the incoming applications and bookings align with the policy and detect any drifts

2. Portfolio Strategy & Management

• Health & Predictability: Ensure the overall loan portfolio remains healthy and performs within risk appetite and forecasts.
• Performance Analytics: Oversee the tracking of critical metrics, including vintages, roll-rates, customer segments, and score bands.
• Strategy Calibration: Lead the recommendation process for when to "tighten" or "expand" credit policies based on real-time portfolio performance
• Forecasting Accuracy: Take full accountability for the accuracy of portfolio's performance forecasts to work closely with the P&L owner

3. Strategic Leadership

• Cross-Functional Collaboration: Partner closely with the Business/Commercial lead to co-own product policies that enable healthy growth within risk-adjusted margin
• Governance: Participate in the governance framework, providing expert risk-based perspectives for high-level decision-making



What You’ll Need:

• 10+ years of experience in Credit Risk Management, specifically within unsecured lending or fintech environments
• Deep expertise in credit bureau data, scoring models, and portfolio vintage analysis
• Proven commercial competency to drive "Risk-Adjusted Margin" rather than just loss avoidance
• Experience managing multi-functional teams (Policy and Portfolio Analytics)