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About the Role
The Head of Credit Risk will optimize credit risk strategies, affordability assessments, income and identity verification, fraud detection, and loss forecasting. This role involves leading a cross-functional team of Data Analysts and collaborating with Data Scientists, Product leads, Engineers, and Operations to drive strategic change using data and analytics.
Responsibilities
- Leverage credit risk expertise to support business decisions and share credit risk knowledge across the organization.
- Chair Credit Risk related committees, presenting to the Executive Committee and Board members.
- Use loss forecasting and stress testing to guide strategic direction.
- Create and continuously evolve the governance and monitoring framework and develop long-term strategies for the team.
- Collaborate with product, operations, commercials, and data teams to align on common goals and priorities.
- Support product teams to deliver great outcomes, guiding execution and resolving stakeholder challenges.
- Understand the regulatory landscape to achieve balanced outcomes aligning commercial goals, customer needs, and regulatory requirements.
- Provide day-to-day support and development to junior team members while managing relationships with senior stakeholders.
- Work with Data Science to evolve bespoke risk assessments.
- Work with Operations to execute good customer outcomes.
Requirements
- At least 8 years of Credit Risk experience in a challenging, fast-paced environment (e.g., FinTech, banking), preferably in financial services.
- Ability to understand the technical side of the team (SQL and Python).
- Advanced knowledge of Credit Risk strategies and assessment.
- Strong problem-solving and analytical skills to quickly understand problems, identify key drivers, and develop data-driven solutions.
- Good product sense to understand trade-offs and make correct decisions despite uncertainty.
- Proven leadership experience, including leading multiple teams and coaching junior colleagues.
- Excellent written and verbal communication skills, with the ability to explain complex concepts to non-specialist audiences and secure buy-in.
- Strong interpersonal skills to build trust and relationships, and to know when to seek consensus or escalate conflict.
- Understanding of areas such as technical platform and data interactions, Provisioning, Open Banking, and Underwriting is advantageous.
Skills
- Credit Risk
- Data Analysis
- SQL
- Python
- Loss Forecasting
- Stress Testing
- Governance Frameworks
- Stakeholder Management
- Regulatory Understanding
- Team Leadership
- Communication
- Problem-Solving
- Analytical Skills
- Product Sense
Location
- London
- Manchester
Work Type
- Hybrid
- Full-time
Experience Level
- 8+ years Credit Risk experience
Benefits
- Discretionary Company Bonus Scheme
- 25 days holiday (rising to 28 after 3 years’ service) plus bank holidays
- Private Medical insurance via Vitality with reward schemes
- Health cash plan via Health Shield for dental, optical, etc.
- Pension with 5% company contribution
- Free breakfast, drinks, and fruit in the office
- Employee discounts for major shops
- 1 day volunteer day per year
- Mental health care - 6 free counselling sessions via EAP
- Enhanced company sick pay
- Enhanced family leave for primary and secondary caregivers
- Paid travel expenses for inter-office travel
About the Company
- Oodle's mission is to be the UK’s simplest way to find and finance a great value used car, putting car buyers back in control.
- The company has a team of 450 people located in Manchester, Oxford, and London.
- Oodle has supported tens of thousands of customers over the past 8 years.
Equal Opportunity
- Oodle is proud to be an inclusive workplace, recognizing that diversity of experience, thoughts, and backgrounds leads to better customer outcomes and an environment where colleagues can thrive.
- Several DEI networks are in place to make positive impacts on company culture.
- Alternative application methods and reasonable adjustments for the interview process are available upon request.