At a Glance
- Tasks: Lead the design and implementation of data-driven credit strategies to enhance approval rates.
- Company: Join Corpay, a global leader in business payments with a focus on innovation.
- Benefits: Enjoy 25 days holiday, flexible discounts, and access to thousands of online courses.
- Other info: Collaborate with cross-functional teams in a hybrid work environment for optimal success.
- Why this job: Make a real impact in a dynamic role that drives business growth across regions.
- Qualifications: 8-12+ years in credit strategy or risk management, with strong analytical skills.
The predicted salary is between 80000 - 100000 € per year.
Corpay is currently looking to hire a Credit Strategy Director within our Risk business function. This position is located in London. In the role, you will be responsible for designing, implementing, and evolving a data-driven credit and fraud risk strategy. You will drive improved approval rates, efficient credit decisioning, and balanced credit risk outcomes while supporting broader UK, Europe and ANZ region business growth. You will report directly to the VP Risk UK, Europe & ANZ, and will work closely with cross-functional stakeholders including Sales, Product, Operations, Data Analytics, and Credit teams.
As a Credit Strategy Director, you will be expected to work in a hybrid environment, with a requirement to be in the office three days per week. Corpay will set you up for success by providing the following:
- An assigned workspace in the London office
- Company‑issued equipment
- Access to relevant systems and tools to support strategic and analytical work
Key Responsibilities
- High-Line Pass Rate Growth (Primary Mandate)
- Own the strategy to improve approval rates for very high credit lines, identifying friction points, decline drivers, and ‘false negatives’.
- Lead policy and line‑assignment strategy reviews designed to deliver pass‑rate uplift.
- Design and implement test‑and‑learn strategies (champion/challenger), including segmented underwriting paths for high‑line applicants.
- Credit Policy, Decisioning & Exception Governance
- Define underwriting policies and escalation paths for high‑line decisions.
- Build structured exception frameworks that enable revenue‑protecting approvals without eroding credit quality.
- Partner with Credit Operations to standardize decisioning, reduce manual handling, and improve consistency.
- Data, Models & Strategy Tooling
- Partner with Analytics/Data Science to deliver a differentiated, data‑driven decision engine for complex, high‑value B2B clients.
- Leverage bureau and alternative data sources; define requirements for new signals that improve high‑line differentiation.
- Establish ‘credit strategy performance reporting’.
- Automation & Operational Enablement
- Drive decisioning efficiency through workflow automation and operational tooling.
- Collaborate with Ops/Transformation on initiatives that accelerate decisioning and strengthen controls.
- Cross‑Functional Leadership
- Act as the senior credit strategy partner to Corpay Complete Product.
- Align credit policy with growth goals, implementation timelines, and client experience.
- Provide executive‑ready insights and recommendations on strategy changes, risk trade‑offs, and performance outcomes.
Success Measures (KPIs)
- High‑line approval / pass rate uplift
- Time‑to‑decision for high‑line applications and line increases
- Quality outcomes: delinquency/default rates, first‑payment default, loss rate, bad debt, charge‑offs
- Override/exception rate and exception performance tracking
- Automation impact: reduction in manual touches, rework, and cycle times
Qualifications And Skills
- 8–12+ years in credit strategy, underwriting, risk, or portfolio management (B2B preferred).
- Demonstrated success improving approval rates while maintaining (or improving) portfolio performance.
- Strong quantitative and analytical skills.
- Experience partnering with data science/modelling teams and using bureau/third‑party data.
- Proven cross‑functional leadership with Product, Ops, Sales, and Compliance stakeholders.
Preferred Qualifications
- Experience building/owning underwriting policy in a scaled decisioning environment.
- Familiarity with automation initiatives that improve decisioning throughput and monitoring.
- Exposure to fraud/identity controls that intersect credit outcomes.
- Experience designing governance for exceptions and escalations for large exposures.
Competencies
- Strategic and structured problem solving; comfort balancing growth and risk.
- Strong stakeholder management and ability to drive change without direct authority.
- Bias to action with disciplined measurement and controls.
Benefits And Perks
- 25 days per annum + 8 bank holidays.
- Option to buy or sell up to 5 days annually during the benefits enrollment window.
- Employee contribution of 3% matched with 5% from Corpay.
- Access to flexible discounts, supermarket savings, and more.
- Complimentary access to thousands of online courses.
- Volunteering days and engagement in fun company‑wide contests and initiatives.
Our Company & Purpose
Corpay is a global leader in business payments, focused on developing smarter ways for businesses to pay their expenses. Since 2000, Corpay has developed innovative digital solutions that help businesses better track, manage, and pay their expenses. Today, Corpay is an S&P 500 company with hundreds of thousands of customers using our products in over 100 countries.
Credit Strategy Director in London employer: Corpay
Corpay is an exceptional employer, offering a dynamic work culture that fosters collaboration and innovation in the heart of London. With a strong focus on employee growth, we provide access to extensive training resources, flexible working arrangements, and a comprehensive benefits package, including generous leave and retirement contributions. Join us to be part of a forward-thinking team that values your contributions and supports your professional development while driving impactful change in the business payments landscape.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Strategy Director in London
✨Tip Number 1
Network like a pro! Reach out to your connections in the industry, especially those who might know someone at Corpay. A friendly chat can open doors that a CV just can't.
✨Tip Number 2
Prepare for the interview by diving deep into Corpay's values and recent projects. Show us you’re not just another candidate; demonstrate how your vision aligns with our mission in credit strategy.
✨Tip Number 3
Practice your pitch! Be ready to explain how your experience in credit strategy can drive high-line approval rates. We want to hear about your successes and how you tackle challenges.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows you’re serious about joining the Corpay team.
We think you need these skills to ace Credit Strategy Director in London
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Credit Strategy Director role. Highlight your experience in credit strategy, risk management, and any relevant achievements that align with the job description. We want to see how your skills can drive improved approval rates and efficient decision-making.
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you're the perfect fit for this role at Corpay. Share specific examples of how you've successfully improved approval rates or implemented data-driven strategies in the past. Let us know what excites you about joining our team!
Showcase Your Analytical Skills:Since this role involves a lot of data-driven decision-making, make sure to showcase your analytical skills in your application. Mention any experience you have with data science, modelling, or using bureau data to inform credit strategies. We love numbers, so don’t shy away from sharing metrics that demonstrate your impact!
Apply Through Our Website:We encourage you to apply through our website for a smoother application process. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, you’ll get to explore more about Corpay and what we stand for while you’re at it!
How to prepare for a job interview at Corpay
✨Know Your Numbers
As a Credit Strategy Director, you'll need to demonstrate your quantitative and analytical skills. Brush up on key metrics related to credit approval rates, delinquency rates, and portfolio performance. Be ready to discuss how you've improved these metrics in past roles.
✨Understand the Business
Familiarise yourself with Corpay's business model and how credit strategy impacts overall growth. Research their products and services, especially in the B2B payments space. This will help you align your answers with their goals during the interview.
✨Prepare for Cross-Functional Questions
Expect questions about your experience working with various teams like Sales, Product, and Operations. Think of examples where you've successfully collaborated across functions to drive credit strategy initiatives. Highlight your leadership skills and ability to influence without direct authority.
✨Showcase Your Strategic Thinking
Be prepared to discuss your approach to designing and implementing credit policies and decisioning frameworks. Share specific examples of how you've balanced risk and growth in previous roles, and be ready to propose innovative ideas that could benefit Corpay's credit strategy.
