At a Glance
- Tasks: Lead the optimisation of lending products and influence key financial outcomes.
- Company: Join NatWest Boxed, a collaborative and friendly team in the fintech space.
- Benefits: Competitive salary, professional development, and opportunities to broaden your network.
- Other info: Dynamic role with opportunities for growth in a fast-paced environment.
- Why this job: Make a real impact on consumer lending strategies and drive financial success.
- Qualifications: Experience in Credit Strategy and strong analytical skills using SQL, Python, and Excel.
The predicted salary is between 66150 - 80850 £ per year.
Join us as a Lending Portfolio Lead at NatWest Boxed. This is a high impact role responsible for key financial outcomes of Boxed lending products, and as such has strong influence in the definition of our decision strategy so that we optimise financial objectives and returns. Joining a collaborative and friendly team, you’ll have the opportunity to broaden your network and relationships as you work closely with key areas of the business.
What You’ll Do
- Drive the evolution and optimisation of our decisioning strategy, including credit and fraud, for our consumer lending products - currently Unsecured Loans and Point-of-Sale finance.
- Partner with NatWest’s central credit and fraud strategy teams to define and deliver optimisation roadmaps for Boxed products so that we optimise P&L outcomes.
- Champion Boxed’s business priorities to influence the Group’s broader decisioning agenda.
- Serve as the subject matter expert in commercial team discussions, evaluating optimisation opportunities and potential new deals.
- Provide data-driven input on business KPI forecasting, clearly articulating the credit and fraud implications of commercial initiatives.
- Conduct hands‑on quantitative analyses to generate actionable insights and recommendations.
- Develop Boxed’s internal credit and fraud MI in collaboration with team members and partner functions.
- Work cross‑functionally with Credit, Fraud, Product, Data, Operations, Risk, Finance (among others), being the Credit & Fraud voice in discussions about both day‑to‑day management of Boxed business and optimisation initiatives.
- Collaborate with engineering and product teams to integrate and operationalise strategy changes within our lending platforms.
The Skills You’ll Need
- Extensive experience in a Credit Strategy and Analytics role (or similar) in the consumer lending space.
- A deep understanding of the end-to-end digital consumer lending decisioning lifecycle.
- Strong analytical skills and ability to turn data into insights using SQL, Python and Excel, and using them to inform business initiatives.
- The ability to distill complex quantitative analyses into clear, structured, and compelling narratives for diverse stakeholders.
- The ability to operate effectively in a fast‑moving and evolving environment.
- Deep intellectual curiosity and keen interest to get into the details of complex Fintech/Banking-As‑A‑Service (BaaS) commercial models and products.
Lending Portfolio Lead in London employer: NatWest Boxed
At NatWest Boxed in London, we pride ourselves on fostering a dynamic work culture that encourages innovation and collaboration. As an Engineering Manager, you will not only lead a talented team but also benefit from extensive professional development opportunities, ensuring your growth aligns with our mission to deliver high-quality software. With a focus on employee well-being and a commitment to creating a supportive environment, NatWest Boxed is an excellent employer for those seeking meaningful and rewarding careers in technology.
StudySmarter Expert Advice🤫
We think this is how you could land Lending Portfolio Lead in London
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like NatWest Boxed. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Lending Portfolio Lead in London
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to NatWest Boxed.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on NatWest Boxed's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at NatWest Boxed
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with NatWest Boxed.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at NatWest Boxed will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former NatWest Boxed employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
