Risk Analytics & AI Lead
- Lead Risk Analytics Strategy and Decision Science: Own and evolve the credit risk framework across originations, portfolio management, and collections for multiple lending products. Utilise AI across everything that we're working on.
- Shape New Products: Define data and risk requirements for the launch of a new customer solution, particularly in data capture and automated credit decisioning processes.
- Performance Monitoring: Continuously assess and improve portfolio performance through data-driven insights, forecasting, stress testing, and ad-hoc analysis.
- Stakeholder Reporting: Communicate key risk insights to senior leaders, the Board of Directors, and external investors/partners in a clear, concise, and non-technical manner.
- Investor Support: Collaborate with Capital Markets to secure funding by demonstrating confidence in credit profitability and performance.
- Strategy Optimisation: Conduct impact assessments on credit strategies and recommend enhancements to improve decision-making.
- Cross-functional Collaboration: Partner with Product, Engineering, and Data Science to develop predictive models, build product features, and refine risk processes.
- Collections Strategy: Support collections and recovery initiatives with data-backed insights and strategy development.
- Proven experience in decision science, credit risk analytics, data modelling and AI, ideally within financial services or fintech.
- Strong understanding of risk disciplines including unit profitability evaluation, pricing, risk appetite setting, and credit policy design.
- Experience with B2B/SME lending is highly desirable, though not essential.
- Demonstrated ability to influence and collaborate with cross-functional teams and senior stakeholders.
- Strong leadership and people management skills with a track record of building high-performing teams.
- Exceptional analytical and problem-solving abilities with a hands-on approach.
- Excellent communication skills, particularly in translating complex findings into accessible, actionable insights.
- Organised, proactive, and able to manage multiple priorities across different products and development stages.
- Comfortable working in a fast-paced, evolving environment with a start-up / build-it-yourself mindset.
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