Head of Business Intelligence & Portfolio Risk

ABOUT US

Onmo believes that everyone has the right to access, understand and manage their money with confidence. Our ambition is to improve lives by providing better clarity, intelligence and technology to empower every individual in making the smartest financial decisions. We may be young but we have an incredible team in place and big ambitions for the years ahead.

We design our products to help demystify money matters wherever possible, providing customers with more financial control and flexibility in their lives. This helps them get more from what they have, or with smart decisions, make more of the same. It also means people spend less time with the negative aspects of money and more on the positive - enjoying what the world has to offer.

ABOUT THE ROLE

We are seeking a dynamic and experienced manager to lead our team of Data Specialists. This role is ideal for someone who has a deep understanding of data and credit systems, and who can guide and mentor a team to achieve excellence in data analysis, documentation, and process improvement. The Head of BI & Portfolio risk will ensure that all team activities are aligned with organisational goals and that complex processes are accurately represented and accessible to stakeholders. They will use their experience to provide guidance to other teams on what is the appropriate approach to take with processes and investigations with regards to a customer impact and portfolio risk perspective.

RESPONSIBILITIES

Team Leadership & Development

• Lead, mentor, and develop a team of Data Specialists.

• Foster a collaborative and innovative team environment.

• Provide regular feedback and performance evaluations to team members.

Credit Card Mechanics Documentation & System Understanding

• Oversee the development of clear, structured documentation explaining credit card processes such as:

o Minimum payment due calculations

o Statement generation timelines and triggers

o Due dates and their relationship to payment schedules

o Arrears calculations and tracking

• Ensure documentation is accurate and accessible to both technical and non-technical stakeholders.

• Develop methodologies to test and validate system functionality, ensuring alignment with documented processes.

Data Analysis & Validation for System Integrity

• Guide the team in analysing credit card transaction and account data to validate the accuracy of calculations and business logic.

• Design and develop comprehensive reports and dashboards to monitor key performance indicators and identify trends.

• Implement and maintain data quality checks to ensure data accuracy and consistency.

• Utilise data analysis to identify potential issues or discrepancies in system outputs and propose corrective actions.

• Provide strategic insights to enhance decision-making and operational eFiciency.

• Identify and feedback to relevant teams where there are data inconsistencies or issues that need attention.

• Oversee CRA reporting creation, adjustments, and issue resolution to minimize the impact of incorrect information.

Structured Coding & Issue Resolution

• Ensure the team writes clean, well-structured code to support data extraction, analysis, and reporting.

• Implement and enforce best practices in version control to maintain code quality and reproducibility.

• Encourage development of scripts and tools to automate data validation and issue detection.

• Troubleshoot and resolve data-related issues, working closely with technical teams to get fixes implemented.

• Create audit trails and logs to track system behaviour and facilitate issue diagnosis.

Coaching and Knowledge Sharing

• Work with peers on initiatives to upskill colleagues across the business.

• Coach more junior or new members of the team in relation to technical and non-technical aspects.

FCA Compliance & Consumer Duty:

At Onmo we all take collective responsibility for our individual roles in creating the best outcomes for our customers. In this role that involves;

• Identifying and raising risk events timely

• Supporting impact analysis of changes and risk events

• Supporting remediation actions with a focus on good customer outcomes

• Following the FCA Conduct Rules;

o You must act with integrity

o You must act with due skill, care and diligence

o You must be open and cooperative with the FCA, PRA and other regulators

o You must pay due regard to the interests of customers and treat them fairly

o You must observe proper standards of market conduct

ABOUT YOU

Essential Skills & Experience

• Proven experience in managing and developing a team of data professionals.

• Strong understanding of credit card mechanics, including payment calculations, statement generation, due dates, and arrears processes from a data perspective

• Customer advocate, with an understanding of how to evaluate customer detriment and portfolio risk impact.

• Ability to interpret and apply business logic related to credit systems to design and implement data checks.

• Exceptional documentation skills, with the ability to understand and present complex calculations in a simple, structured manner.

• Proficiency in SQL, and data visualization tools (e.g., Power BI), with the ability to give guidance to team members using these tools.

• Experience with version control repositories, such as Git.

• Experience setting team roadmaps and coaching members of the team.

• Analytical mindset with strong problem-solving skills and attention to detail.

Your Working Style

• Highly organized, with the ability to manage multiple tasks and priorities effectively.

• Strong communicator who can explain technical details clearly and concisely to diverse audiences.

• Collaborative and proactive, thriving in a dynamic and fast-paced environment.

• Focused on creating structured, scalable solutions that can be easily understood and maintained.

• The ability to seek out and resolve potential problems before they arise.

• Good at motivating teams and driving consistent delivery.