Manager : Credit Innovation

We are looking for a dynamic manager to drive the design, delivery and optimisation of credit innovation initiatives across the consumer credit value chain. This role bridges credit risk, product, analytics and customer experience, with a focus on executing customer-centric credit strategies, improving journeys, and delivering commercial outcomes.

• Support the design and optimisation of end-to-end credit journeys (application, allocation, servicing, maintenance)
• Implement business rules and decisioning strategies aligned to profitability, risk and customer outcomes
• Translate customer insights into targeted credit offers and interventions
• Support transition from product-led to customer-led credit strategies
• Monitor performance of propositions and recommend enhancements
• Execute initiatives to improve customer experience across the credit lifecycle
• Identify and resolve pain points, drop-offs and inefficiencies in customer journeys
• Collaborate with digital, CX and design teams to enable frictionless, digitally-led experiences
• Contribute to embedding UX and human-centred design in credit products
• Support delivery of omni-channel consistency
• Support the deployment of advanced credit capabilities (analytics, behavioural triggers, segmentation)
• Leverage data insights to improve engagement, utilisation and collections outcomes
• Assist in identifying customer triggers and contextual interventions
• Drive continuous improvement in decisioning through analytics and feedback loops

• 5–8 years’ experience in banking, lending or financial services
• Background in credit strategy, analytics, or portfolio management
• Experience working across risk, product, data and CX teams
• Exposure to digital or CX initiatives is advantageous
• Solid understanding of credit products, underwriting and regulatory frameworks
• Strong analytical and problem-solving capability
• Ability to translate insights into practical, implementable solutions
• Strong stakeholder management and collaboration skills
• Delivery-focused with attention to detail
• Continuous improvement mindset