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Senior Manager, Credit Risk Originations Strategy
Jaja Finance. Lead Jaja’s New Business Originations strategy and a small team of analysts .
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in credit risk strategy optimization and data analysis using SQL and Python, while effectively leading and developing a team of analysts. Capable of providing actionable insights and recommendations to enhance customer acquisition strategies within a governance framework.
Highest-signal resume keywords
SQL Data ManipulationPython Data AnalysisCredit Risk Strategy OptimizationTeam Leadership and DevelopmentStakeholder Collaboration
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Data AnalysisCredit Risk ManagementStatistical AnalysisQuantitative AnalysisPerformance Trend Analysis
Soft Skills
Effective CommunicationTime ManagementCustomer FocusProactive ApproachExpectation Management
Industry Keywords
Unsecured Credit RiskCredit CardsGovernanceImplementation TestingConsumer Finance
Tech Stack
Tools & technologiesPythonSQL
About the role
Key responsibilities & impact- Lead Jaja’s New Business Originations strategy and a small team of analysts
- Optimise credit risk strategies for acquisition of new customers, balancing risk and reward within business risk appetite
- Lead strategy changes from analysis and recommendation through governance, implementation, validation and post-implementation monitoring
- Lead, coach and develop a small team of analysts, setting priorities and assuring analytical delivery quality
- Use SQL and Python to manipulate and analyse data
- Promote a test-and-learn approach and challenge existing strategies and processes
- Provide data-based insights and recommendations for new-customer decision strategies, including initial credit limits, policy rules and promotional offers
- Analyse origination vintage performance trends to ensure sustainable new lending
- Collaborate with Tech, DataOps, Commercial Finance, Customer Service and Compliance stakeholders
- Maintain governance and controls through documentation, approvals, implementation testing, monitoring and escalation of unexpected outcomes or control weaknesses
Requirements
What you’ll need- 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
- Ability to prioritise workloads and manage time effectively
- Ability to interact and work alongside key stakeholders at all levels across the business with attention to expectation management
- Experience clearly communicating complex analytical insights in a simple manner to diverse technical and non-technical audiences
- Experience managing analysts
- Comfortable using direct, straightforward and respectful language
- Customer-focused interest in improving consumer finance
- Execution-focused, hands-on, proactive and process-oriented approach
- Self-motivated ability to work independently and collaboratively
Benefits
Comp & perks- 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 confidential Employee assistance programme
- Inclusive workplace and recruitment adjustments or support where required