Lending Portfolio Lead

NatWest Group; Greater London; On-site; GBP 90,000 - 130,000; Full time

Benefits offered by this job

Restaurant/Facilities perks

Job summary

NatWest Boxed is seeking a Lending Portfolio Lead within the Commercial Strategy team to drive evolution and optimisation of our decisioning strategy across consumer lending products, including Unsecured Loans and Point-of-Sale finance.

You will partner with central credit and fraud strategy teams, champion Boxed priorities, and work cross-functionally with Credit, Fraud, Product, Data, Operations, Risk, and Finance to implement strategy changes.

Qualifications

• Extensive experience in a Credit Strategy and Analytics role (or similar) in the consumer lending space.
• Strong analytical capabilities and ability to turn data into insights to inform business initiatives.
• Ability to distill complex quantitative analyses into clear narratives for diverse stakeholders.

Responsibilities

• Drive evolution and optimisation of decisioning strategy for consumer lending products (Unsecured Loans, POS finance).
• Partner with central credit and fraud strategy teams to define and deliver optimisation roadmaps for Boxed products.
• Champion Boxed priorities to influence NatWest Group's broader decisioning agenda.
• Provide data-led input on KPI forecasting and credit/fraud implications of commercial initiatives.
• Conduct hands-on quantitative analyses to generate actionable insights and recommendations.
• Collaborate with engineering and product teams to operationalize strategy changes within lending platforms.

Skills

SQL

Python

Excel

Data storytelling

Credit strategy

Job description

Join us as a Lending Portfolio Lead at NatWest Boxed

• This is a high impact role responsible for key financial outcomes of Boxed lending products, and as such has strong influence in the definition of our decision strategy so that we optimise financial objectives and returns.
• 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 our Lending Portfolio Lead, you will sit within the Commercial Strategy team at NatWest Boxed and drive the evolution and optimisation of our decisioning strategy, including credit and fraud, for our consumer lending products - currently Unsecured Loans and Point-of-Sale finance.

We’ll also expect you to:

• Partner with NatWest’s central credit and fraud strategy teams to define and deliver optimisation roadmaps for Boxed products so that we optimise P&L outcomes
• Champion Boxed’s business priorities to influence the Group’s broader decisioning agenda
• Serve as the subject matter expert in commercial team discussions, evaluating optimisation opportunities and potential new deals
• Provide data-driven input on business KPI forecasting, clearly articulating the credit and fraud implications of commercial initiatives
• Conduct hands-on quantitative analyses to generate actionable insights and recommendations
• Develop Boxed’s internal credit and fraud MI in collaboration with team members and partner functions
• Work cross-functionally with Credit, Fraud, Product, Data, Operations, Risk, Finance (among others), being the Credit & Fraud voice in discussions about both day-to-day management of Boxed business and optimisation initiatives
• Collaborate with engineering and product teams to integrate and operationalize strategy changes within our lending platforms

The skills you'll need

We’re looking for someone with extensive extensive experience in a Credit Strategy and Analytics role (or similar) in the consumer lending space.

We’ll also need you to have:

• A deep understanding of the end-to-end digital consumer lending decisioning lifecycle
• Strong analytical skills and ability to turn data into insights using SQL, Python and Excel, and using them to inform business initiatives
• The ability to distill complex quantitative analyses into clear, structured, and compelling narratives for diverse stakeholders
• The ability to operate effectively in a fast-moving and evolving environment
• Deep intellectual curiosity and keen interest to get into the details of complex Fintech/Banking-As-A-Service (BaaS) commercial models and products