Job Description

• Own the execution and scale of scored lending across Personal & Private Banking by driving utilization, optimizing decision strategies, and enhancing digital lending journeys.
• Expand access to credit for new-to-bank and underserved customers through innovative, data-driven approaches, while leveraging strategic partnerships and ecosystems to accelerate acquisition, improve decisioning, and embed lending into customer journeys—balancing growth with strong risk discipline.

Qualifications

• Type of Qualification: First Degree
• Field of Study: Business Commerce, Finance or related field

Experience Required

• 5-7 years
• Proven experience in developing and refining scored lending strategies, including credit rules, scorecards, and decision-making frameworks
• Strong analytical capability with experience using data and insights to support credit decisions, optimise portfolio performance, and identify business growth opportunities
• Demonstrated experience in designing and enhancing lending products and customer journeys using customer behaviour, portfolio trends, and performance insights
• Experience collaborating with risk, data, and technology teams to translate lending strategies into effective solutions within decisioning systems.

Additional Information

Behavioural Competencies:

• Generating Ideas
• Interacting with People
• Interpreting Data
• Producing Output
• Providing Insights
• Team Working

Technical Competencies:

• Business Acumen
• Customer Understanding
• Data Analytics
• Financial Analysis
• Operational Planning
• Risk Identification
• Risk Management

• Own the execution and scale of scored lending across Personal & Private Banking by driving utilization, optimizing decision strategies, and enhancing digital lending journeys.
• Expand access to credit for new-to-bank and underserved customers through innovative, data-driven approaches.
• Leverage strategic partnerships and ecosystems to accelerate acquisition, improve decisioning, and embed lending into customer journeys.
• Balance growth with strong risk discipline.

• Developing and refining scored lending strategies
• Credit rules, scorecards, and decision-making frameworks
• Data analysis and insights for credit decisions
• Portfolio performance optimization
• Identifying business growth opportunities
• Designing and enhancing lending products and customer journeys
• Collaboration with risk, data, and technology teams
• Translating lending strategies into effective solutions within decisioning systems
• Generating Ideas
• Interacting with People
• Interpreting Data
• Producing Output
• Providing Insights
• Team Working
• Business Acumen
• Customer Understanding
• Data Analytics
• Financial Analysis
• Operational Planning
• Risk Identification
• Risk Management

• First Degree
• Business Commerce, Finance or related field