Head of AI-Driven Credit & Analytics

Quint Group Ltd; Nottingham; Hybrid; GBP 90,000 - 130,000; Full time

Job summary

Cred is seeking a leader to drive credit, data, AI, and analytics capabilities for its next-generation flexible credit product in the UK. You will own end-to-end credit analytics strategy, curate data assets, and leverage advanced technologies to power intelligence-led acquisition and pricing with strong unit economics and customer outcomes.

You will shape credit strategy, data governance, and decisioning across underwriting, pricing, and collections, working with senior leaders to deliver

Qualifications

• Experienced data science or credit risk professional with consumer lending background.
• Hands-on AI delivery delivering material business value.

Responsibilities

• Credit strategy: Define risk appetite, policy, rules and control framework for existing and new products.
• Data strategy: Develop data strategies including CRA, Open Banking and alternatives.
• Decisioning & underwriting: Define customer personas, credit rules & scorecards across eligibility, affordability, creditworthiness and fraud.
• Limit & pricing strategy: Own initial limit assignment and risk-based pricing; ongoing affordability assessment.
• Portfolio performance: Own reporting analytics across the credit lifecycle and key metrics.
• Customer outcomes framework: Define personas and expected product outcomes; monitor and intervene as needed.
• Collections strategy: Optimise arrears strategy and feed learnings back into underwriting.
• Governance & MI: Lead committee, produce board-ready MI, ensure traceability of decisions.

Skills

Data science

Credit risk

AI capabilities

Python

SQL

Open Banking

CRA datasets

Leadership communication

Startup mindset

Tools

DBT

Job description

Cred is seeking a leader to drive credit, data, AI, and analytics capabilities for its next-generation flexible credit product in the UK. You will own end-to-end credit analytics strategy, curate data assets, and leverage advanced technologies to power intelligence-led acquisition and pricing with strong unit economics and customer outcomes.

You will shape credit strategy, data governance, and decisioning across underwriting, pricing, and collections, working with senior leaders to deliver