Commercial Performance Lead - Lending

NatWest Group; Greater London; On-site; GBP 65,000 - 110,000; Full time

Job summary

NatWest Boxed is seeking a Commercial Performance Lead to drive growth for unsecured personal lending. You will work with clients and partners to identify growth opportunities, then shape joint roadmaps and commercial initiatives.

You’ll collaborate with Pricing, Credit Risk and Product to balance risk, volume and margin, and you’ll translate insights into actionable roadmaps that expand market share across brands.

Qualifications

• Extensive experience in Commercial or Credit roles in open market Unsecured Personal Lending.
• Experience in embedded/white-labelled lending, embedded finance or SaaS fintech.
• Strong analytical and data-driven insight abilities using analytical tools.

Responsibilities

• Collaborate with clients and aggregator partners to identify growth opportunities.
• Create shared initiative roadmaps to drive joint success.
• Balance volume, risk and margin to optimise performance.
• Dive into data and conduct performance analyses to identify growth levers.
• Optimise channel strategy and portfolio economics.
• Translate commercial rationale into product roadmap requirements.

Skills

Analytical thinking

Financial modelling

Excel 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