- Company Name
- Uncapped
- Job Title
- Head of Credit Strategy and Analytics
- Job Description
-
**Job title:** Head of Credit Strategy and Analytics
**Role Summary:**
Lead the Credit Strategy and Analytics function for a small‑ticket lending portfolio, designing and executing data‑driven credit models that incorporate unconventional data sources. Build a high‑performing analytics team, collaborate across sales, operations, engineering, product and external partners, and provide analytical leadership to business units such as marketing, pricing, segmentation, product development and customer experience.
**Expactations:**
* 10‑15 years of experience in analytical credit risk management within fintech or banking, with a focus on consumer or SME lending.
* At least 5 years in senior managerial or leadership roles.
* Proven expertise in data analysis, credit strategy development, advanced data‑science techniques, and machine learning.
* Demonstrated ability to manage and grow a team of analysts, mentor talent, and drive measurable business impact.
**Key Responsibilities:**
1. Design and implement a comprehensive credit risk management and analytics framework for the small‑business lending portfolio.
2. Oversee development and deployment of advanced credit risk models, collaborating with data scientists, data engineering, decision science, and ML‑Ops teams.
3. Analyse structured and unstructured data from varied sources, including unconventional datasets, and design experiments to gather additional data when needed.
4. Ensure continuous model performance monitoring, validation, and refinement in live environments.
5. Lead cross‑functional initiatives in risk‑based pricing, marketing, product development, and customer experience.
6. Provide analytical leadership across the organization, translating complex insights into actionable strategies.
7. Build and maintain strong relationships with Sales, Operations, Engineering, Product, and external partners.
8. Mentor and develop the analytics team, ensuring high‑quality outputs aligned with strategic goals.
**Required Skills:**
* Strong analytical and quantitative aptitude.
* Deep knowledge of advanced machine learning techniques and credit risk modeling.
* Proficient in SQL and Python with hands‑on coding experience.
* Experience managing and scaling analytics teams.
* Excellent communication skills, able to present complex concepts clearly to diverse stakeholders.
* Innovative mindset for exploring and leveraging unconventional data sources.
**Required Education & Certifications:**
* Minimum 3‑year bachelor’s degree (or equivalent) in Statistics, Mathematics, Econometrics, Data Science, Physics, or a related quantitative field; or
* Full 2‑year master’s degree (or equivalent) in the same disciplines.
* Short or accelerated postgraduate programs (e.g., 1‑year master’s) are not acceptable.