London, England, United Kingdom Hybrid Full-time

The IMA Group is hiring a Head of Credit Strategy and Analytics

About the Role

The IMA Group is hiring a Head of Credit Strategy and Analytics to oversee the Credit Strategy and Analytics function for our small-ticket lending business. You will lead the design and implementation of a comprehensive credit risk management and analytics framework, leveraging data science and unconventional data for underwriting.

What You'll Do

  • Design and implement a comprehensive credit risk management and analytics framework for the small business lending portfolio.
  • Oversee the creation of risk models by data scientists and incorporate them into underwriting strategies.
  • Analyse structured and unstructured data from disparate sources, exploring unconventional datasets. Design experiments to collect additional data when necessary.
  • Collaborate with Data Engineering, Decision Science and ML Ops teams to validate, test, and deploy machine learning model driven strategies, ensuring ongoing performance monitoring in live environments.
  • Provide analytical leadership to the rest of the organisation, including key areas outside risk such as marketing, pricing, segmentation, product development and customer experience.
  • Build and refine pricing strategies to maintain an optimal risk-return profile.
  • Manage and develop a team of analysts, ensuring high-quality analytical outputs that align with strategic objectives.
  • Cultivate strong relationships with Sales, Operations, Engineering, Product, and external partners to drive shared success.

What We're Looking For

  • 10 to 15 years in analytical credit risk management within fintech or banking, specialising in consumer or SME lending.
  • At least 5 years in managerial roles.
  • Robust academic foundation in quantitative fields, supported by a minimum 3-year bachelor’s degree OR a full 2-year master’s degree (or equivalent) in Statistics, Mathematics, Econometrics, Data Science or Physics.
  • Strong hands-on coding abilities in SQL and Python, with a commitment to maintaining technical proficiency.
  • Exceptional ability to articulate complex ideas clearly and effectively to diverse stakeholders.
  • Eligible to work in the UK without requiring visa sponsorship.

Nice to Have

  • Proven proficiency in data analysis, credit strategy development, and advanced data science tools and methodologies.
  • Strong familiarity with cutting-edge machine learning techniques.
  • Demonstrated ability to explore and utilise unconventional data sources to drive analytical innovation.
  • A proven track record of mentoring teams, driving value creation, and delivering measurable results.
  • A history of career progression, reflecting increasing responsibilities and analytical contributions to business success.

Technical Stack

  • SQL
  • Python

Team & Environment

Lead the Credit Strategy and Analytics function. Manage a team of analysts. Collaborate with Sales, Operations, Engineering, Product, Data Engineering, Decision Science, ML Ops, and external partners.

Benefits & Compensation

  • Unlimited holiday
  • Competitive compensation plan
  • Personal growth fund
  • Global Impact: The opportunity to make a big impact every day on the lives of European and US entrepreneurs.
  • Access to workspaces in Warsaw, London, Atlanta, and Toronto.

Work Mode

This is a hybrid position based in London.

The IMA Group is an equal opportunity employer.

Required Skills
SQLPythonCredit RiskAnalyticsStrategyData AnalysisFinancial ServicesStatistical ModelingLeadershipRegulatory ComplianceTeam ManagementStakeholder Management
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About company
The IMA Group

Netguru is a trusted partner in digital commerce. The company helps leading brands modernize B2B solutions, marketplaces, and retail ecosystems. Since 2008, it has empowered businesses with cutting-edge technology, AI-powered personalization, and world-class engineering and design teams. A certified B Corporation®.

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Posted 4 months ago