Senior Manager, Credit Risk Originations Strategy

JaJa Finance Ltd; Greater London; Hybrid; GBP 90,000 - 130,000; Full time

Benefits offered by this job

Pension contributions

Annual bonus potential

Private medical cover

25 days annual leave

Birthday day off

4x life insurance

Employee assistance programme

Job summary

JaJa Finance Ltd. invites applications for a Senior Manager, Credit Risk Originations Strategy. The role is hybrid, based in London, with responsibility for shaping the new business originations strategy and leading a small analytics team.

You will drive data‑driven decisions on credit limits, policies and offers, balancing growth with risk and profitability. You will combine strategic ownership with hands‑on analytics, using SQL and Python to extract insights, monitor performance, and

Qualifications

• Degree in a quantitative field (Economics, Mathematics, Statistics, Business or Computer Science).
• 5+ years in an analytical role, ideally in unsecured credit risk / credit cards.
• Extensive experience using SQL to extract and manipulate data; Python is a plus.

Responsibilities

• Optimize credit risk strategies for acquisition of new customers within risk appetite.
• Lead strategy changes from analysis through governance, implementation and monitoring.
• Coach and develop a small team of analysts and manage priorities.

Skills

Credit risk strategy

Team leadership

SQL data analysis

Python

Stakeholder management

Data storytelling

Education

Bachelor's in Economics/Math/Statistics/CS

Tools

SQL

Python

Job description

Senior Manager, Credit Risk Originations Strategy

Hybrid

London - Harling house, 47-51 Great Suffolk St, London, SE1 0BS

Analytics

Full Time

Do you enjoy developing customer lifecycle strategies that drive engagement, improve customer outcomes, and deliver measurable business results?

Are you passionate about using customer data, insights, and testing to create targeted campaigns that support customers throughout their credit card journey? If you thrive in a fast-paced environment, enjoy leading cross-functional projects from concept to delivery, and can confidently influence stakeholders at all levels, we'd love to hear from you.

Who we are

Jaja is a UK‑based consumer finance business with a simple mission: to empower customers to buy, borrow and build using smart tech, strong data, and clear design. We launched our digital credit card in 2018 and we’re continuing to grow, with new products and experiences in the pipeline. Our goal is to strip out unnecessary complexity and give people more control over their money — or as we put it, Make Simple. Our values guide how we work: Care Deeply. Adapt & Thrive. Challenge Everything. Go For It. Own It. Make It Simple. We’re scaling quickly, and there’s a lot of exciting change happening across the business.

We’re looking for an experienced credit-risk professional to lead our New Business Originations strategy and a small team of analysts. The role will combine strategic ownership with hands‑on analytical delivery, translating complex business questions into clear recommendations and controlled strategy changes. The successful candidate will balance sustainable growth, profitability, credit performance and good customer outcomes within Jaja’s risk appetite.

Key responsibilities:

• Optimise credit risk strategies for acquisition of new customers, balancing risk and reward to optimise profitability within business risk appetite.
• Lead strategy changes from initial analysis and recommendation through governance, implementation, validation and post‑implementation monitoring.
• Lead, coach and develop a small team of analysts, setting priorities, assuring the quality of analytical delivery and supporting their professional development.
• Use tools such as SQL and Python to manipulate and analyse data.
• Promote a test‑and‑learn approach, constantly challenging existing strategies and processes to find better outcomes.
• Provide the business with data‑based insight and recommendations for improving decision strategies for new customers covering initial credit limits, policy rules, promotional offers.
• Perform detailed analysis on origination vintage performance trends to ensure new lending remains sustainable.
• Collaborate with a wider variety of stakeholders, including Tech, DataOps, Commercial Finance, Customer Service, and Compliance to ensure smooth delivery of strategies in alignment for forecasts.
• Maintain effective governance and controls including clear documentation, approvals, implementation testing, monitoring and escalation of unexpected outcomes or control weaknesses.

Required Skills & Experience:

• A degree in a quantitative field like Economics, Mathematics, Statistics, Business or Computer Science
• 5+ years of experience in an analytical role, ideally in unsecured credit risk / credit cards.
• Extensive experience using SQL to extract and manipulate data, Python is a plus.
• The ability to prioritise workloads and manage time effectively.
• The ability to interact and work alongside key stakeholders at all levels across the business with attention to expectation management.
• Experience in clearly communicating complex analytical insights in a simple manner to diverse audiences, including both technical and non-technical stakeholders.
• Experience in managing analysts.

Desired:

• You are comfortable using a direct language and speaking in a straightforward yet respectful manner to save people time and simplify everyone’s workday.
• You care deeply about helping customers manage their money in a smarter way and want to make a tangible impact in the consumer finance industry, by applying innovative technology and processes.
• You are execution focused and love rolling up your sleeves to get it done - you are hands‑on, proactive and take solutions / process orientated approach to your work.
• You are self‑motivating and can switch between working independently to collaborating as a team with ease.
• What we’re doing at Jaja excites you!

What's in it for you?

• The chance to make a real impact in a growing business on a mission to change the face of the consumer finance industry forever
• Competitive salary
• Pension contributions, including Salary Exchange facility
• Annual bonus potential
• Private medical cover provided by Vitality (optional benefit)
• 25 days annual leave (FTE) plus UK bank holidays (with an additional day added for each full calendar year worked, up to a maximum of 30 days).
• Your birthday off each year as an additional day's holiday
• 4x life insurance cover
• Access to our confidential Employee assistance programme

We're committed to creating an inclusive workplace where everyone feels valued, respected, and able to thrive.

We welcome applications from all qualified candidates and encourage applications from LGBTQ+ individuals, people with disabilities, neurodivergent individuals, and those from ethnic minority and diverse religious backgrounds.

We believe that different perspectives strengthen our team, drive innovation, and help us better serve our customers.

If you require any adjustments or support during the recruitment process, please contact our Talent Partner.