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 innovative business payments.
- Benefits: Enjoy 25 days holiday, flexible discounts, and access to online courses.
- Other info: Collaborate with cross-functional teams and drive change in a supportive culture.
- Why this job: Make a real impact on credit strategy while working in a dynamic, hybrid environment.
- Qualifications: 8-12 years in credit strategy or risk management with strong analytical skills.
The predicted salary is between 80000 - 100000 £ per year.
Your role
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 AZN 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.
What you’ll be doing
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:
- 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 (targeting measurable uplift consistent with current credit strategy ambitions).
- 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 (e.g., documentation standards, trade/financial requirements, approvals matrix, exception controls).
- 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 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” (pass rate, approval time, loss metrics, line utilization, post-approval outcomes).
- Automation & Operational Enablement
- Drive decisioning efficiency through workflow automation and operational tooling, reducing manual monitoring and enabling faster high-line decisions.
- 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 (overall + by segment/industry/channel)
- Time-to-decision for high-line applications and line increases
- Quality outcomes: delinquency/default rates, first-payment default, loss rate, bad debt, charge-offs (high-line cohorts)
- 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; payments/AP automation/fintech a plus)
- Demonstrated success improving approval rates while maintaining (or improving) portfolio performance—ideally with experience in high-limit underwriting
- Strong quantitative and analytical skills (policy analytics, segmentation, cohort analysis, experimentation)
- 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 (e.g., workflow tools, decision engines)
- 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
- Provided by Vitality with no excess (Corpay covers £250 excess)
- 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
Corpay is a global leader in business payments, laser-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.
Corpay is dedicated to encouraging a supportive and inclusive culture among our employees. It is within our best interest to promote diversity and eliminate discrimination in the workplace. We seek to ensure that all employees and job applicants are given equal opportunities.
Credit Strategy Director employer: Dormont Manufacturing Co
Corpay is an exceptional employer, offering a dynamic work environment in London that fosters innovation and collaboration. With a strong focus on employee growth, we provide comprehensive benefits including generous leave, professional development opportunities, and a supportive culture that values diversity and inclusion. Join us to be part of a global leader in business payments, where your contributions directly impact our mission to simplify and secure payment solutions for businesses worldwide.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Strategy Director
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We think you need these skills to ace Credit Strategy Director
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