My client is a award winning international Fintech with a competitive lending solution distributed direct to SME clients & through a market leading embedded partnership channel.
They have lent over £3B of funding to SME’s, operate in 6 locations & have been rated in Top UK 100 Fintech’s in 2025
After an exciting acquisition, they have more capital to distribute & ambitious growth targets so we are looking for talented Head of Credit & Commercial Strategy to join the team
Responsibilities:
Play a critical role in the newly formed Credit & Commercial Strategy team by bringing together Pricing, Decisioning & AI/ML Credit Modelling and leveraging a data-led Credit approach to deliver exceptional outcomes for SMEs and partners and overall business objectives.
You will be responsible for bringing credit and commercial frameworks (e.g. return hurdles, pricing models, segmentation) into wider business decisions, and flag where we need new thinking or central support; subject matter expert able to clearly explain complex concepts + educate the team to build literacy
Experience:
- Experience in Fintech Lending is desirable but not essential to make the role a success
- Strong grounding in unit economics, credit, pricing and commercial modelling – enough to apply frameworks to new product and partner contexts and know the right questions to ask of central model-builders
- Comfortable operating in a matrix: reporting into a GM and aligned to wider company priorities, while working closely with the Credit and Commercial Strategy craft
- Cross-functional collaborator – able to work across product, engineering, risk, and commercial within projects and bring those perspectives together around a coherent credit and commercial approach
- At ease with ambiguity and new product design – many of the challenges this role tackles won’t have existing playbooks, and you’ll need to build the approach from prior experience & understanding
- Clear communicator: able to translate complex credit and commercial concepts into practical guidance for product teams, commercial leads, and GMs who aren’t credit specialists
- Ability to work in a fast paced international changing environment
