Strategy

• 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

Credit Risk Strategy Lead

Regional Deployment Strategy Lead – EMEA

Vendor Program Strategy Director

GSC Strategy Manager