About the Opportunity
We are partnering with a leading digital financial services organisation to identify an exceptional Consumer Lending Strategy Leader who will own and scale end-to-end credit strategy across a rapidly growing consumer lending portfolio.
This is a highly visible leadership role with direct influence over portfolio performance, customer outcomes, and long-term business growth. You will combine strategic thinking, analytical rigour, and strong leadership to optimise risk-adjusted returns across the entire credit card lifecycle while helping shape the future of consumer credit in a fast-evolving environment.
What You'll Lead
As the portfolio owner, you will:
- Define and execute end-to-end credit strategy across acquisition, underwriting, line management, pricing, instalment programmes, customer engagement, collections, and recoveries.
- Drive portfolio growth while maintaining disciplined risk management and sustainable profitability.
- Establish risk appetite frameworks, decision principles, and portfolio guardrails that balance customer experience with portfolio performance.
- Develop strategies for credit line allocation, authorisation controls, and dynamic credit management.
- Monitor economic and market trends and translate insights into proactive portfolio actions.
- Partner closely with Product, Data Science, Analytics, and Operations teams to design, test, and scale data-driven strategies.
- Analyse portfolio performance across key metrics, including customer behaviour, utilisation, delinquency trends, vintage performance, and profitability.
- Optimise revenue and balance growth levers through pricing, instalment offerings, balance conversion initiatives, and portfolio segmentation.
- Enhance collections and recovery strategies to improve overall portfolio outcomes.
- Build a culture of experimentation through structured testing, champion/challenger methodologies, performance measurement, and continuous optimisation.
- Lead, develop, and inspire a high-performing team of credit strategy and analytics professionals.
- Present portfolio insights, strategic recommendations, and risk assessments to senior executive stakeholders.
What We're Looking for:
Essential Experience
- 12+ years of experience in credit risk, portfolio management, credit strategy, or advanced analytics within banking, lending, or fintech environments.
- Deep expertise in credit cards or revolving consumer lending products.
- Strong understanding of the full consumer credit lifecycle, including acquisition, underwriting, line management, pricing, instalments, and collections.
- Demonstrated success managing portfolio performance and delivering strong risk-adjusted outcomes.
- Experience leveraging bureau, transactional, alternative, and behavioural data to inform credit decisions.
- Strong analytical and commercial judgement with the ability to translate complex data into clear business actions.
- Knowledge of local regulatory requirements and consumer lending practices.
- Proven track record building and leading high-performing teams.
- Excellent stakeholder management skills, including experience influencing senior leaders.
Preferred Attributes
- Strong understanding of the relationship between macroeconomic conditions and consumer credit performance.
- Experience operating in complex, fast-changing organisations.
- A highly execution-oriented mindset with a passion for testing, learning, and continuous improvement.
- Ability to balance strategic vision with hands-on problem solving.
Why This Role Matters
This is an opportunity to shape the future direction of a growing credit business at scale. You'll have the autonomy to influence strategy, the resources to build sophisticated capabilities, and the platform to create measurable impact across risk, growth, profitability, and customer experience.
If you are a proven credit leader who thrives on solving complex portfolio challenges and building high-performing teams, we would welcome a confidential conversation.
