Lending Portfolio Lead

Overview

This role is responsible for key financial outcomes of lending products and plays a strong part in defining decision strategy to optimize financial objectives and returns.

You will work within a collaborative and friendly team, partnering closely with key business areas to broaden your network and relationships.

Responsibilities

As the Lending Portfolio Lead, you will:

• Lead the evolution and optimization of the decisioning strategy for consumer lending products, including credit and fraud, currently Unsecured Loans and Point-of-Sale finance.
• Partner with central credit and fraud strategy teams to define and deliver optimization roadmaps for lending products to optimize P&L outcomes.
• Influence broader decisioning agenda by championing business priorities.
• Act as the subject matter expert in commercial discussions by evaluating optimization opportunities and potential new deals.
• Provide data-driven input into business KPI forecasting, clearly articulating the credit and fraud implications of commercial initiatives.
• Conduct hands-on quantitative analysis to generate actionable insights and recommendations.
• Develop internal credit and fraud MI in collaboration with team members and partner functions.
• Work cross-functionally with Credit, Fraud, Product, Data, Operations, Risk, Finance (among others), serving as the credit and fraud voice for both day-to-day management and optimization initiatives.
• Collaborate with engineering and product teams to integrate and operationalize strategy changes within lending platforms.

Requirements

• Extensive experience in a Credit Strategy and Analytics role (or similar) in the consumer lending space.
• Deep understanding of the end-to-end digital consumer lending decisioning lifecycle.
• Strong analytical skills, with ability to turn data into insights using SQL, Python and Excel.
• Ability to distill complex quantitative analyses into clear, structured, and compelling narratives for diverse stakeholders.
• Ability to operate effectively in a fast-moving and evolving environment.
• Deep intellectual curiosity and keen interest in the details of complex Fintech/Banking-As-A-Service (BaaS) commercial models and products.

Compensation & Benefits

• Hours: 35

Location

• Remote First

Hiring Timeline

• Job Posting Closing Date: 19/10/2026