Commercial Performance Lead - Lending

RBS; Greater London; Hybrid; GBP 70,000 - 95,000; Full time

Job summary

NatWest Boxed is hiring a Commercial Performance Lead for its unsecured personal lending business. You will own growth initiatives, work with clients and aggregator partners, and drive commercial outcomes through collaboration with Pricing, Credit and Product teams.

You’ll analyze data, build joint roadmaps, balance volume, risk and margin, and shape channel strategy to expand market share across our brands.

Qualifications

• Strong analytical skills with data-driven insights using Excel modelling and/or Python/SQL.
• Financial modelling skills and the ability to frame and communicate complex analyses clearly.
• Experience in Commercial or Credit roles in open market Unsecured Personal Lending and in embedded/white-labelled lending or SaaS fintech.

Responsibilities

• Identify success factors, pain points and growth opportunities with clients and aggregator partners.
• Create shared initiative roadmaps to drive joint success.
• Balance trade-offs between volume, risk, margin and conversion with Pricing, Credit Risk and Product teams.
• Dive deep into data to identify growth levers and expand market share across brands.
• Optimize channel strategy and economics to improve portfolio performance.
• Feed build requirements into the product roadmap with quantified commercial rationale.

Skills

Strong analytical skills

Data-driven insights

Financial modelling

Python

SQL

Tools

Excel

Python

SQL

Job description

Join us as a Commercial Performance Lead - Lending - NatWest Boxed

• Joining as a Commercial Performance Lead in our Commercial Strategy team, you will be instrumental in enabling profitable growth for the unsecured personal lending (UPL) business of NatWest Boxed.
• This is a high impact, hands-on role that will be owning the identification and execution of holistic growth initiatives for our UPL product. You will be working with clients, channel partners, Pricing, Credit and Product, being the driving force behind our growth
• Joining a collaborative and friendly team, you’ll have the opportunity to broaden your network and relationships as you work closely with key areas of the business

What you’ll do

As a Commercial Performance Lead, you’ll be working closely with our clients and aggregator partners to identify success factors, pain points and growth opportunities. You will be creating shared initiative roadmaps to drive our joint success

We’ll also expect you to:

• Work with Pricing, Credit Risk and Product teams to continuously balance trade offs between volume, risk, margin and conversion to optimise our performance
• Dive deep into data and conduct complex and nuanced performance analyses to identify growth levers and ways to expand our market share across our brands
• Optimise channel strategy and economics to optimise our portfolio performance
• Feed build requirements into our product roadmap, providing clear articulation and quantification of the commercial rationale

The skills you’ll need

We’re looking for someone with extensive experience in Commercial or Credit roles in the open market Unsecured Personal Lending space. Along with this, you’ll have experience within an embedded/white-labelled lending, embedded finance or a SaaS fintech background

We’ll also need you to have:

• Strong analytical skills and experience driving data driven insights using Excel modelling and/or Python, SQL and using them to inform business initiatives
• Financial modelling skills and the ability to frame and communicate complex analyses in a clear and structured manner
• Deep intellectual curiosity and keen interest to get into the details of complex Fintech/Banking-As-A-Service (BaaS) commercial models and products
• The ability to operate effectively in a fast moving and evolving environment

Hours

35

Job Posting Closing Date:

02/11/2026

Ways of Working:Hybrid