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- Tasks: Lead credit strategy and analytics for small-ticket lending, driving innovation with data science.
- Company: Join Uncapped, a fast-growing fintech startup revolutionising funding for digital businesses.
- Benefits: Enjoy unlimited holiday, competitive pay, and a personal growth fund to boost your skills.
- Why this job: Make a real impact on entrepreneurs' lives while leading a high-performing analytics team.
- Qualifications: 10-15 years in credit risk management, with strong analytical and leadership skills.
- Other info: Collaborate across teams and work in a dynamic, supportive environment with global reach.
The predicted salary is between 72000 - 108000 ÂŁ per year.
Hybrid role based in London.
As the Head of Credit Strategy and Analytics, you will oversee the Credit Strategy and Analytics function for Uncapped’s small-ticket lending business. We seek an entrepreneurial leader with a demonstrated history of hands-on leveraging data science and advanced analytics to design and execute credit strategies. With Uncapped’s focus on utilising unconventional data for loan underwriting, a principles-driven data-first mindset is crucial. In this position, you will collaborate closely with key internal stakeholders to implement credit risk initiatives, build a high-performing analytics team, and cultivate robust cross-functional relationships across Sales, Operations, Engineering, Product, and external partners. You should have over 10 years of experience in credit risk and analytics within fintech or banking, specifically in consumer or SME lending, with at least 5 years in senior managerial roles.
About Uncapped: Founded in 2019, Uncapped is the fastest, most affordable way for growing digital businesses to fund marketing and inventory. The company emerged from the frustration of limited financing options available for UK and European entrepreneurs to fuel growth. Uncapped’s technology integrates data from merchants’ e-commerce platforms (e.g., Amazon and Shopify) and banks (via open banking) to fuel machine learning models that predict performance metrics like revenue, margins, and profitability, informing underwriting decisions. While traditional sources like credit bureaus are considered, Uncapped prioritises the deeper insights offered by platform and banking data. Uncapped has secured funding from notable VC investors, including Lakestar, Mouro Capital, Global Founders Capital, White Star Capital, Seedcamp and All Iron Ventures.
What you will do:
- Lead Analytical Credit Risk Management: Design and implement a comprehensive credit risk management and analytics framework for Uncapped's small business lending portfolio.
- Oversee Advanced Credit Risk Models: Oversee the creation of risk models by data scientists and incorporate them into underwriting strategies.
- Innovate with Diverse Data Sources: Analyse structured and unstructured data from disparate sources, exploring unconventional datasets. Design experiments to collect additional data when necessary.
- Ensure Robust Model Deployment: Collaborate with Data Engineering, Decision Science and ML Ops teams to validate, test, and deploy machine learning model driven strategies, ensuring ongoing performance monitoring in live environments.
- Provide Analytical Leadership: Provide analytical leadership to the rest of the organisation, including key areas outside risk such as marketing, pricing, segmentation, product development and customer experience.
- Risk-Based Pricing Strategies: Build and refine pricing strategies to maintain an optimal risk-return profile.
- Mentor and Lead: Manage and develop a team of analysts, ensuring high-quality analytical outputs that align with strategic objectives.
- Cross-Functional Collaboration: Cultivate strong relationships with Sales, Operations, Engineering, Product, and external partners to drive shared success.
Who you are:
- Experience: 10 to 15 years in analytical credit risk management within fintech or banking, specialising in consumer or SME lending, with at least 5 years in managerial roles.
- Analytical Expertise: Proven proficiency in data analysis, credit strategy development, and advanced data science tools and methodologies. Strong familiarity with cutting-edge machine learning techniques is a significant advantage.
- Education: Robust academic foundation in quantitative fields, supported by a minimum 3-year bachelor’s degree OR a full 2-year master’s degree (or equivalent) in Statistics, Mathematics, Econometrics, Data Science or Physics. Short or accelerated postgraduate programs (e.g., 1-year master’s degrees) do not meet this requirement.
- Technical Skills: Strong hands-on coding abilities in SQL and Python, with a commitment to maintaining technical proficiency.
- Innovative Mindset: Demonstrated ability to explore and utilise unconventional data sources to drive analytical innovation.
- Leadership: A proven track record of mentoring teams, driving value creation, and delivering measurable results.
- Communication: Exceptional ability to articulate complex ideas clearly and effectively to diverse stakeholders.
- Career Growth: A history of career progression, reflecting increasing responsibilities and analytical contributions to business success.
What we offer:
- Unlimited holiday: We believe that well-rested and happy people make the best employees.
- Competitive compensation plan.
- Personal growth fund: Raise your game from great to spectacular.
- Global Impact: The opportunity to make a big impact every day on the lives of European and US entrepreneurs.
- Workspaces: Access to hubs in Warsaw, London, Atlanta, and Toronto.
We can only consider applications from candidates eligible to work in the UK without requiring visa sponsorship.
Head of Credit Strategy and Analytics in London employer: Uncapped
Contact Detail:
Uncapped Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Head of Credit Strategy and Analytics in London
✨Tip Number 1
Network like a pro! Get out there and connect with people in the fintech and banking sectors. Attend industry events, join relevant online forums, and don’t be shy about reaching out on LinkedIn. You never know who might have the inside scoop on job openings!
✨Tip Number 2
Show off your skills! Prepare a portfolio or case studies that highlight your experience in credit strategy and analytics. When you get the chance to chat with potential employers, share specific examples of how you've used data science to drive results. It’s all about demonstrating your value!
✨Tip Number 3
Practice makes perfect! Before any interviews, do some mock interviews with friends or mentors. Focus on articulating your experience clearly and confidently, especially around your leadership and analytical skills. The more you practice, the more comfortable you'll feel when it counts.
✨Tip Number 4
Apply through our website! We’re always on the lookout for talented individuals like you. Make sure to check out our careers page regularly and submit your application directly. It shows initiative and gives you a better chance of standing out from the crowd!
We think you need these skills to ace Head of Credit Strategy and Analytics in London
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Head of Credit Strategy and Analytics role. Highlight your experience in credit risk and analytics, especially in fintech or banking. We want to see how your skills align with our needs!
Craft a Compelling Cover Letter: Your cover letter should tell us why you're the perfect fit for Uncapped. Share your entrepreneurial spirit and how you've leveraged data science in previous roles. This is your chance to show off your personality and passion!
Showcase Your Analytical Skills: In your application, don’t forget to highlight your analytical expertise and any innovative projects you've led. We love seeing how you've used unconventional data sources to drive results—so make it shine!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for this exciting opportunity at Uncapped!
How to prepare for a job interview at Uncapped
✨Know Your Data Inside Out
As the Head of Credit Strategy and Analytics, you'll need to demonstrate a deep understanding of data science and analytics. Brush up on your knowledge of advanced data analysis techniques and be ready to discuss how you've leveraged unconventional data sources in past roles.
✨Showcase Your Leadership Skills
This role requires strong leadership capabilities. Prepare examples of how you've successfully managed teams and driven analytical projects. Be ready to discuss your mentoring style and how you've cultivated high-performing teams in previous positions.
✨Prepare for Cross-Functional Collaboration
Collaboration is key in this role. Think about times when you've worked closely with other departments like Sales, Operations, or Product. Be prepared to share specific examples of how you built relationships and drove shared success across teams.
✨Articulate Your Vision
You’ll need to communicate complex ideas clearly. Practice explaining your credit strategy vision and how you would implement it at Uncapped. Use straightforward language and be ready to answer questions about your approach to risk-based pricing and model deployment.
