Head of Credit & Analytics up to £140,000 basic Location: UK (Hybrid – North West) Reporting to: CEO
A fast-growing UK fintech is seeking a Head of Credit & Analytics to lead its end-to-end credit strategy and portfolio analytics. The company is developing a next-generation flexible line-of-credit product designed to give customers greater control, transparency, and predictable repayments.
This senior leadership role will be responsible for defining creditworthiness, affordability, open banking, and pricing strategies, with a focus on delivering strong unit economics while maintaining positive customer outcomes.
Key Responsibilities Define and maintain risk appetite, credit policy, and governance frameworks.
Develop data strategy across credit bureau, open banking, and alternative data sources.
Design underwriting frameworks, credit rules, and scorecards covering eligibility, affordability, creditworthiness, and fraud.
Own limit assignment and risk-based pricing strategies.
Lead portfolio analytics across acquisition performance, active book monitoring, and collections.
Define and monitor customer outcome frameworks and intervention strategies.
Partner with operations teams to optimise arrears and collections strategies.
Lead credit governance forums and produce board-level management information.
Candidate Profile Experienced credit risk professional with a strong background in UK consumer revolving credit or credit cards.
Proven track record of designing and implementing credit strategies at scale.
Strong understanding of credit bureau data, open banking datasets, and alternative data sources.
Strong analytical capability using modern tools such as SQL and Python.
Comfortable operating both strategically and hands-on.
Strong communication skills with the ability to translate complex analysis into clear business decisions.
Experience working across multiple acquisition channels including aggregators, direct channels, and partnerships.
Comfortable working in a fast-paced or start-up environment.
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