Allica Bank is looking for a Credit Risk Analytics Lead to play a key role in driving fundamental improvements in credit and product performance, policy, and strategy. As a senior member of the team, you will be responsible for producing tangible insights to monitor risk and help scale products through data-driven decisions.

What You'll Do

Work closely with our risk leadership team to provide insights to optimise our underwriting and credit decisioning processes.
Leverage data science, machine learning and artificial intelligence to build systematic risk models for our credit products.
Produce portfolio monitoring and investigative analysis to explain trends and answer questions from key stakeholders; making recommendations on how to enhance our products and processes.
Develop and optimise our pricing models using financial modelling techniques.
Produce portfolio management information for both internal and external stakeholders and present insight and findings in a clear non-technical way.
Conduct rigorous impact analysis on credit strategies, reassessing and optimising how we make credit decisions.
Support the collections and recovery team with data driven insight and collections strategies.
Collaborate with other teams in developing our predictive models, product features and processes.

What We're Looking For

Proven experience in decision science, credit risk analytics, data modelling and AI, ideally within financial services or fintech.
Strong understanding of risk disciplines including unit profitability evaluation, pricing, risk appetite setting, and credit policy design.
Demonstrated ability to influence and collaborate with cross-functional teams and senior stakeholders.
Strong leadership and people management skills with a track record of building high-performing teams.
Exceptional analytical and problem-solving abilities with a hands-on approach.
Excellent communication skills, particularly in translating complex findings into accessible, actionable insights.
Organised, proactive, and able to manage multiple priorities across different products and development stages.
Comfortable working in a fast-paced, evolving environment with a start-up / build-it-yourself mindset.