Related skills
pricing strategy credit risk portfolio management open banking credit strategy📋 Description
- Own design, execution, and refinement of Express/Mid-prime credit strategy.
- Lead quoting/offering to marketplaces; optimize pricing, eligibility, and offers.
- Manage adverse selection; design offers, pricing, decisioning for marketplace lending.
- Partner with data science to calibrate/retrain models for this population.
- Optimize portfolio economics balancing growth, losses, approvals, pricing.
- Monitor portfolio performance across lifecycle and identify trends.
🎯 Requirements
- Significant experience in credit risk, credit strategy, or portfolio management with commercial outcomes.
- Hands-on experience in higher-APR unsecured personal lending (30–50%) via marketplaces.
- Practical understanding of adverse selection and mitigation levers.
- Experience partnering with data science to calibrate models for a specific segment.
- Ability to balance risk, approvals, losses, pricing, and growth to scale volume.
- Experience across consumer lending products such as UPL, BNPL, cards, or adjacent.
🎁 Benefits
- Equity ownership in company.
- Hybrid work: 3 days in the office.
- 25 days holiday + 8 bank holidays.
- 2 paid volunteering days per year.
- One month paid sabbatical after 4 years.
- Free gym membership.
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