Credit Card Technology Lead (11320) | London, UK

Investec is a distinctive Specialist Bank serving clients principally in the UK and South Africa. Our culture gives us our edge: we work hard to find colleagues who'll think out of the ordinary and we put them in environments where they'll flourish. We combine a flat structure with a focus on internal mobility. If you can bring an entrepreneurial spirit and a desire to learn and collaborate to your work, this could be the boost your career deserves.

We are on the lookout for an experienced and strategic Credit Card Technology Leader to drive the creation and implementation of our new credit card platform from the ground up. This pivotal senior leadership role will be instrumental in building a comprehensive, secure, and client-focused credit card capability, including the setup and management of the unsecured lending process and associated risk management. The right candidate will have excellent knowledge of the full lifecycle of the credit card journey, and experience with payment associations such as Visa / Mastercard.

As a key player within our Digital & Technology team, you will lead the technology aspects of the credit card platform, positioning Investec as a leader in innovative credit solutions for our clients. Your expertise will help shape the future of our credit card offerings, ensuring they meet the highest standards of security and client satisfaction.

What you will be doing

• Platform Development: Architect and build a robust, scalable credit card platform tailored to meet the needs of private banking clients, including system design, integration, and deployment.
• Unsecured Lending Setup: Establish and oversee the unsecured lending process for credit card facilities, ensuring alignment with the bank's credit policies and risk tolerance.
• Risk and Compliance Management: Implement risk assessment protocols and compliance measures, ensuring all lending activities align with regulatory and industry standards for data security, fraud prevention, and consumer protection.
• Strategic Roadmap: Develop and execute a comprehensive technology strategy and roadmap for the credit card platform, aligning with the bank's broader growth and digital transformation goals.
• Technology Architecture: Design and optimise the credit card system architecture, ensuring seamless integration with other banking systems, scalability, and performance optimisation.
• Vendor and Partner Management: Select and manage third-party vendors and technology partners for processing, security, and integration needs, ensuring quality and alignment with the bank's objectives.
• Data-Driven Insights: Collaborate with analytics teams to leverage data for insights into customer behaviour, credit risk, and portfolio performance, informing decisions that enhance client engagement and operational efficiency.
• Cross-Functional Collaboration: Work with product, compliance, risk management, and customer experience teams to ensure the credit card platform meets business requirements and client expectations.
• Team Leadership: Build and mentor a high-performing team dedicated to the credit card platform, fostering a culture of innovation, accountability, and client-centricity.

What we are looking for

• Experience: Extensive technology management and platform development within credit card services
• Proven Track Record: Experience in building or scaling credit card or lending platforms, including unsecured credit, risk management, and compliance.
• Risk Management Knowledge: Strong understanding of risk management practices for unsecured lending, with a focus on regulatory compliance and fraud prevention.
• Technical Expertise: Proficiency in payment processing, credit decision engines, and credit card network integration, and the ability to credibly lead engineering teams
• Agile Methodologies: Familiarity with Agile methodologies and experience managing large-scale, cross-functional projects.
• Problem-Solving Skills: Excellent decision-making abilities, with the capacity to navigate complex regulatory and technical challenges.
• Communication and Leadership: Exceptional skills to influence and align stakeholders at all levels of the organization.

As part of our collaborative & agile culture, our working week is 4 days in the office and one day remote.

Investec offers a range of wellbeing benefits to make our people feel healthier, balanced and more fulfilled in their lives inside and outside of work.

Wellbeing

Wellbeing Subsidy, Corporate Gym Membership, Virtual GP, Peppy Health App (Fertility, Menopause and Early Parenthood), Optional Private Medical & Dental Insurance

Monetary

Non-contributory Pension & Discretionary Bonus

Life & Income Protection

Life Assurance, Critical Illness & Income Protection

Travel

Season Ticket Loan & Electric Vehicle Scheme

Embedded in our culture is a sense of belonging and inclusion. This creates an environment in which everyone is free to be themselves which helps to drive innovation, creativity and ultimately business performance. At Investec we want everyone to find it easy to be themselves, and to feel they belong. It's a responsibility we all share and is integral to our purpose and values as an organisation.