• Be the Chief Risk Officer’s eyes and ears for all things credit risk, while building out your own credit risk team over the next 12-18 months.
• Enhance the organisation's understanding of credit risk, ensuring the delivery of robust risk assessment practices across our lending.
• Implement strategies to improve acquisition underwriting processes, aiming to reduce and keep arrears rates within appetite.
• Manage portfolio risk by overseeing and adjusting credit exposure within risk appetite.
• Champion a culture of responsible lending, setting clear guidelines for fair customer outcomes.
• Collaborate with credit reference agencies and other data providers to continuously enhance the quality of credit data available.
• Support the CRO during discussions with debt and equity funders, showcasing the company’s credit risk strategies and performance.
• Monitor portfolio performance to ensure it aligns with business expectations and risk appetite.
• Provide oversight to our collections strategy and ensuring learnings are implemented as part of our acquisition and portfolio strategy
• Work with our finance teams to determine accurate provisioning for new and existing cohorts
• Utilise advanced credit risk management techniques to drive customer growth while adhering to the company’s risk objectives.

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