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 Pricing & Decisioning 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
- Manage a skilled team of pricing and decisioning analysts who support both central analytics and tools/models, as well as specific initiatives brought in through the Head of Credit and Commercial Strategy
- Contribute credit expertise and guide priorities to AI/ML engineers working within the Credit & Commercial Strategy function, providing crucial input on the business priorities to guide design and configurability of AI/ML products
- Commission and co-build new pricing and decisioning approaches with the Credit and Commercial Strategy craft, translating needs in close collaboration with Heads of Credit & Commercial Strategy into generalised, scalable model requirements and highly configurable toolkits for deployment within P&L units
Experience:
- Experience in Fintech Lending is desirable but not essential
- Strong grounding in financial modelling, unit economics and risk & credit, with an ability to connect deep insights and tool/model design into strategic priorities and decisions.
- Strong systems-thinking with an instinct for scalability – experience taking ad hoc analyses or frameworks and make more robust, productise or automate them, for integration into wider cross-functional business decision processes.
- Experience managing and up-skilling analytical teams and managing multiple priorities and tight timelines whilst maintaining quality standards.
- Cross-functional collaborator – able to work across product, engineering, risk, and commercial 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 first principles.
- Clear communicator: able to translate complex credit and commercial concepts into practical guidance for engineers, product teams, commercial leads, and GMs who aren’t credit specialists.
- Able to produce clean, clear narratives and visual presentations of insights and data into complex systems.
