Head of Credit Strategy, Policy and Analytics

HEAD OF CREDIT STRATEGY, POLICY AND ANALYTICS

A leading financial institution is seeking a Head of Credit Strategy, Policy and Analytics to shape the future of credit risk management. This pivotal role offers you the opportunity to define and maintain robust credit policies across the entire lifecycle, establish risk appetite frameworks, and partner closely with product, marketing, and operations teams. You will drive advanced credit analytics, develop and refine scoring models, and proactively monitor portfolio health to address emerging risks. The organisation values flexibility, collaboration, and continuous learning, providing an inclusive environment where your expertise in digital transformation and regulatory compliance will be highly valued. If you are passionate about leveraging data-driven insights to influence business strategy and thrive in a supportive leadership culture, this is your chance to make a significant impact.

* You will have the opportunity to lead strategic initiatives that modernise risk infrastructure and analytics platforms through automation and digital tools, ensuring the organisation remains at the forefront of industry best practices.
* Your role will involve collaborating with senior executives and cross-functional teams to align risk strategies with overall business goals, fostering a culture of teamwork and shared success.
* The organisation offers flexible working opportunities, generous training programmes for professional growth, and a commitment to nurturing talent within a knowledgeable and dependable team environment.

What you'll do:

As Head of Credit Strategy, Policy and Analytics, you will play a central role in shaping the organisation’s approach to credit risk management. Your day-to-day responsibilities will include defining comprehensive policies that govern the entire credit lifecycle while establishing frameworks that set clear boundaries for risk-taking. You will work closely with cross-functional teams—product development, marketing, operations—to ensure that credit strategies are seamlessly integrated into new products and services. By driving advanced analytics initiatives such as developing cutting-edge scoring models and monitoring key performance indicators, you will provide valuable insights that inform business decisions at the highest level. Your expertise in automation will enable you to streamline decision-making processes through digital tools while maintaining rigorous compliance standards. Leading a talented team of professionals, you will foster an environment where collaboration thrives as you collectively pursue optimal portfolio outcomes. Success in this role requires not only technical proficiency but also strong interpersonal skills as you engage stakeholders across the organisation.

* Define, implement, and maintain comprehensive credit policies across all stages of the credit lifecycle to ensure consistency and effectiveness in risk management.
* Establish clear risk appetite frameworks that guide decision-making processes while balancing business objectives with prudent risk controls.
* Partner with product development, marketing, and operations teams to integrate credit strategies into new offerings and optimise customer experience.
* Drive advanced credit analytics by developing, refining, and deploying sophisticated credit scoring models that enhance portfolio performance.
* Monitor key business KPIs related to credit portfolios, conduct thorough product performance reviews, and provide actionable insights to senior management on trends and competitive positioning.
* Lead efforts to automate decision-making processes using digital tools and alternative data sources in collaboration with technology teams.
* Oversee portfolio risk performance by initiating projects that optimise approval rates, assign appropriate credit lines, and improve collections strategies.
* Ensure strict adherence to local and international regulatory requirements by liaising with regulators and auditors on all matters related to credit risk.
* Maintain robust governance structures and documentation for all credit policies to support transparency and accountability.
* Build, mentor, and lead a high-performing team of credit policy professionals while collaborating with senior executives to align risk strategies with broader organisational goals.

What you bring:

To excel as Head of Credit Strategy, Policy and Analytics you bring extensive experience managing complex portfolios within consumer lending environments. Your academic background provides a solid foundation for understanding financial principles while your practical expertise enables you to design effective policies that mitigate risks without compromising business growth. You possess deep familiarity with statistical modelling techniques—including machine learning—and have successfully implemented these tools in real-world scenarios. Your involvement in digital transformation projects demonstrates adaptability as well as an eagerness for continuous improvement. Regulatory compliance is second nature thanks to your thorough knowledge of both local laws and global standards. As a leader who values empathy and collaboration over hierarchy or competition, you inspire confidence among colleagues while nurturing their professional development. Your interpersonal skills make it easy for others to connect with you whether they are fellow executives or junior analysts; together you achieve shared goals through open communication.

* Bachelor’s degree in Finance, Economics, Statistics, Mathematics, Data Science or any related field is required; a Master’s degree is considered advantageous for this position.
* At least 12 years of proven experience in credit risk management within consumer lending products is essential for demonstrating your ability to develop effective policies.
* A track record of building robust risk analytics frameworks supported by KPI-driven portfolio management ideally gained within the banking sector is highly desirable.
* Deep knowledge of statistical modelling techniques including machine learning applications relevant to credit scoring is necessary for success in this role.
* Experience leading digital transformation initiatives such as AI/ML deployment in credit risk environments showcases your forward-thinking approach.
* Comprehensive understanding of local and international regulatory requirements along with industry best practices ensures compliance across all activities.
* Exceptional leadership abilities combined with excellent communication skills allow you to build trust among stakeholders at every level.
* Strong stakeholder management capabilities facilitate productive partnerships between departments such as product development or operations.
* Ability to mentor junior team members fosters growth within your department while supporting communal learning objectives.
* Demonstrated commitment to collaborative problem-solving enhances your capacity for delivering results within a supportive team culture.

What sets this company apart:

This organisation stands out for its unwavering commitment to fostering an inclusive workplace where every team member feels valued. Flexible working opportunities empower employees to balance personal commitments with professional ambitions while generous training programmes encourage ongoing skill development. The company’s supportive leadership style prioritises communal success over individual achievement—ensuring everyone has access to resources needed for growth. With a focus on modernising technology infrastructure through automation and digital innovation, employees are given ample opportunity to contribute ideas that shape future strategy. The culture here is built on trustworthiness; colleagues depend on one another not just for expertise but also emotional support during challenging times. By investing heavily in knowledge-sharing initiatives the company creates an environment where learning never stops—making it an ideal place for those who seek both stability and advancement within their careers.

What's next:

If you are ready to take your career in credit strategy leadership to new heights within a collaborative environment focused on growth apply now!

Apply today by clicking on the link provided.

Due to the high volume of applications we are experiencing, our team will only be in touch with you if your application is shortlisted.