Credit Strategy Manager

Who you are

You have a strong background in credit strategy and risk management, with at least 5 years of experience in the financial services sector — your analytical skills enable you to make data-driven decisions that optimize lending strategies. You possess in-depth knowledge of credit products and SME financing, allowing you to effectively assess and manage risk in a growing loan portfolio. Your problem-solving abilities are complemented by a robust technical understanding of data analytics tools and methodologies, which you utilize to drive strategic initiatives. You are comfortable collaborating with senior stakeholders and can communicate complex concepts clearly and effectively. You thrive in a dynamic environment where you can make a meaningful impact on the lending landscape for SMEs.

Desirable

Experience in the fintech sector is a plus, as is familiarity with regulatory frameworks governing lending practices. A background in data science or advanced analytics would enhance your ability to leverage data for strategic decision-making. You are proactive in seeking out innovative solutions and are passionate about improving the lending experience for SMEs.

What you'll do

As a Credit Strategy Manager at Allica Bank, you will play a pivotal role in shaping the bank's lending proposition — your strategic decisions will directly influence the growth and risk management of a £3bn loan portfolio. You will analyze market trends and credit data to develop effective credit strategies that balance risk and reward. Collaborating closely with cross-functional teams, you will ensure that the bank's lending practices align with its mission to serve established SMEs. You will also be responsible for monitoring the performance of credit products and making recommendations for enhancements based on data insights. Your role will involve presenting findings and strategies to senior management, ensuring that your insights contribute to the bank's competitive advantage in the market. You will lead initiatives aimed at optimizing the credit risk framework, ensuring that the bank remains compliant with industry regulations while driving growth.

What we offer

Allica Bank is committed to fostering a diverse and inclusive workplace where all employees feel valued and empowered. We offer flexible and hybrid working arrangements to support work-life balance. You will have the opportunity to work in a fast-growing fintech environment, where your contributions will have a direct impact on the lending landscape for SMEs. We provide competitive compensation packages and opportunities for professional development, ensuring that you can grow your career while making a meaningful difference in the financial services industry.