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.
