Head of Credit & Analytics up to £140,000 basic

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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.

• 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.

• 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. xbpsjku

• Comfortable working in a fast-paced or start-up environment.