Tide

Credit Risk Strategy Lead

Tide

full-time

Posted on:

Location Type: Hybrid

Location: London • 🇬🇧 United Kingdom

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Job Level

Senior

Tech Stack

SQLTableau

About the role

  • Lead the Credit Risk function at Tide, owning all outcomes and driving operational excellence
  • Develop Credit Risk strategies and policies, deliver them and measure their performance
  • Own the P&L impact of Credit Policies and balance approval rates and loss rates to optimise commercial impact
  • Monitor performance of credit portfolio to ensure it hits commercial KPIs
  • Create monitoring dashboards and presentations for senior management, credit committees and auditors
  • Monitor and adjust composition of the credit portfolio to limit exposure to correlated risk factors
  • Continuously identify opportunities to enhance processes/procedures and adopt new tools/technologies
  • Gather, prepare, and analyse complex customer datasets; hands-on technical data analysis
  • Create a framework to assess and optimise profitability of credit policies
  • Identify and acquire additional data sources and rules to filter out unprofitable segments
  • Ensure compliance of Credit Policy with relevant laws and regulation
  • Report to the VP of Credit and work with Data Science, Product Management, Collections and Risk & Compliance second line of defence

Requirements

  • At least 5 years’ experience in a Credit Risk or Analytics role in the Credit sector
  • Solid commercial acumen and understanding of the economics underpinning revolving credit portfolios
  • Experience in fintech or financial institutions in retail, small business lending or commercial banking risk
  • Experience in a credit risk environment with automated processes and data-driven decisioning tools/culture
  • Strong technical knowledge in quantitative risk management, statistical modelling, linear and non-linear optimization or similar
  • Hands-on proficiency with data and analytical tools (SQL and Excel)
  • Proficiency with visualisation software (e.g., Tableau, PowerBI, Looker)
  • Background in machine learning and AI is a plus
  • Strong analytical skills and ability to work independently
  • Ability to work effectively with external counterparties, including external data providers
  • Attention to detail and quality of deliverables
  • University degree in a relevant quantitative field (maths, physics, statistics, engineering, economics); advanced degrees are a plus
Benefits
  • Flexible working options
  • Share options
  • Group Life Insurance
  • Vitality Health Insurance
  • 25 days holiday with the ability to buy extra days
  • 3 days for L&D or volunteering time off per year
  • £1,000 professional L&D budget per year
  • Spacious brand-new office near Old Street with an all-day snacks bar
  • Enhanced family-friendly leave
  • Sabbatical leave
  • Pension Contributions
  • Access to Salary sacrifice benefits

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard skills
credit risk managementdata analysisquantitative risk managementstatistical modellinglinear optimizationnon-linear optimizationdata-driven decisioningmachine learningAIP&L analysis
Soft skills
analytical skillscommercial acumenattention to detailindependent workeffective communicationoperational excellenceprocess enhancementcollaborationpresentation skillsproblem-solving