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For Companies At a Glance
- Tasks: Lead credit strategy, optimise pricing, and collaborate with data scientists and stakeholders.
- Company: Join a dynamic team in Shoreditch, making impactful decisions in a fast-paced environment.
- Benefits: Enjoy perks like private healthcare, sabbaticals, and a fun office vibe with games and snacks.
- Why this job: Make a real impact from day one while working in an inclusive and innovative culture.
- Qualifications: Five years of credit risk experience, strong analytical skills, and a degree in Economics or STEM.
- Other info: Diversity and inclusion are key; we welcome all applicants who share our values.
The predicted salary is between 48000 - 72000 £ per year.
This is a Hybrid role, the Credit team work from our London (Shoreditch) Offices 3 days per week.
What You’ll Be Doing
We’re looking for a Credit Strategy Manager with an analytical background to be an integral part of our Credit team. Sitting in one of the most important teams in the business you’ll have the opportunity to make a great deal of impact and be given real responsibility from day one. Central to our credit strategy, responsibilities of your role will include:
- Owning, monitoring and continually optimising our portfolio pricing and credit limit management strategies including managing test and learn strategies
- Assessing performance of our upfront underwriting and proposing improvements, in close collaboration with our Data Scientists
- Identifying, evaluating and introducing innovative new data sources to better predict credit risk
- Bespoke analytical work related to product development, customer experience optimisation, and geographic expansion related credit strategy development
Your role will involve presentation to and active collaboration with a wide group of business stakeholders including Product and Commercial Teams, Senior Management and potential external debt funders.
We’re Looking For
- At least five years of credit risk experience including credit cards
- Highly analytical and comfortable conducting complex analysis using SQL (Python experience is a plus but not essential)
- Exceptional problem solving skills and the ‘can do’ attitude to thrive in a fast paced, high growth environment
- Strong verbal communication skills including the ability to clearly explain complex concepts to other analysts, business stakeholders and senior leadership
- Knowledge and understanding of UK macroeconomic, regulatory and market trends
- 2.1 or above at degree level, preferably in Economics or STEM subject
Diversity & Inclusion
We welcome, consider and encourage applications from anyone who shares our commitment to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work.
Great Work Deserves Great Perks
We try not to take ourselves too seriously (all the time) so we make sure our office is decked out with a pool table, arcade machine, beer tap, and a couple of office dogs thrown in for good measure. Check out our benefits:
- Private Healthcare including dental and opticians services through Vitality
- Worldwide travel insurance through Vitality
- Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical)
- Salary Sacrifice Pension Scheme up to 7% match
- 28 days holiday (plus bank holidays)
- Annual Learning and Wellbeing Budget
- Enhanced Parental Leave
- Cycle to Work Scheme
- Season Ticket Loan
- 6 free therapy sessions per year
- Dog Friendly Offices
- Free drinks and snacks in our offices
Check out more of our benefits, values and mission here.
Interview Process
First stage: 30 minute intro and values call with Talent Partner (Video call)
Second stage (in person): 60min technical assessment with Head of Department
45min competency based interview with CRO
Final stage: 30 minute executive interview (In person or video call)
Senior Credit Strategy Manager employer: Capital on Tap
Contact Detail:
Capital on Tap Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Strategy Manager
✨Tip Number 1
Familiarise yourself with the latest trends in credit risk management, especially in the UK market. This will not only help you during interviews but also demonstrate your proactive approach and genuine interest in the role.
✨Tip Number 2
Brush up on your SQL skills and consider doing some practical exercises or projects that showcase your analytical abilities. Being able to discuss specific examples of how you've used SQL to solve problems will set you apart from other candidates.
✨Tip Number 3
Prepare to articulate complex concepts clearly and concisely. Practice explaining your previous work to friends or family who may not be familiar with credit strategy, as this will help you refine your communication skills for the interview.
✨Tip Number 4
Network with professionals in the credit risk field, particularly those who have experience in high-growth environments. Engaging with industry peers can provide valuable insights and potentially lead to referrals that could enhance your application.
We think you need these skills to ace Senior Credit Strategy Manager
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your relevant experience in credit risk, particularly with credit cards. Emphasise your analytical skills and any experience with SQL or Python, as these are key for the role.
Craft a Compelling Cover Letter: In your cover letter, explain why you are passionate about credit strategy and how your background aligns with the responsibilities outlined in the job description. Mention specific examples of your problem-solving skills and your ability to communicate complex concepts.
Showcase Your Analytical Skills: Prepare to discuss your analytical experience in detail. Be ready to provide examples of how you've optimised portfolio pricing or assessed underwriting performance in previous roles. This will demonstrate your fit for the analytical demands of the position.
Research the Company Culture: Familiarise yourself with the company's values and culture, especially their commitment to diversity and inclusion. Reflect this understanding in your application to show that you would be a good cultural fit.
How to prepare for a job interview at Capital on Tap
✨Showcase Your Analytical Skills
As a Senior Credit Strategy Manager, your analytical background is crucial. Be prepared to discuss specific examples of complex analyses you've conducted, particularly using SQL. Highlight any experience with Python, even if it's not essential, as it shows your willingness to learn and adapt.
✨Communicate Clearly
Strong verbal communication skills are key for this role. Practice explaining complex concepts in simple terms, as you'll need to present to various stakeholders. Consider preparing a brief presentation on a past project to demonstrate your ability to convey information effectively.
✨Understand the Market Trends
Familiarise yourself with current UK macroeconomic and regulatory trends related to credit risk. Being able to discuss these topics during your interview will show that you are well-informed and can contribute to strategic discussions from day one.
✨Emphasise Collaboration Experience
This role involves working closely with different teams, including Data Scientists and Product Teams. Prepare examples of how you've successfully collaborated in the past, focusing on your problem-solving skills and your 'can do' attitude in fast-paced environments.
