Head of Credit & Commercial Strategy

My client is a award winning international Fintech with a competitive lending solution distributed direct to SME clients & through a market leading embedded partnership channel.

They have lent over £3B of funding to SME's, operate in 6 locations & have been rated in Top UK 100 Fintech's in 2025

After an exciting acquisition, they have more capital to distribute & ambitious growth targets so we are looking for talented Head of Credit & Commercial Strategy to join the team

Responsibilities:

Play a critical role in the newly formed Credit & Commercial Strategy team by bringing togetherPricing, Decisioning & AI/ML Credit Modelling and leveraging a data-led Credit approachto deliver exceptional outcomes for SMEs and partners and overall business objectives.

You will be responsible for bringing credit andcommercial frameworks (e.g. return hurdles, pricing models, segmentation) into wider business decisions, and flag where we need new thinking or central support; subjectmatter expert able to clearly explain complex concepts + educate the team to build literacy

Experience:

• Experience in Fintech Lending is desirable but not essential to make the role a success
• Strong grounding in unit economics, credit, pricing and commercial modelling - enough toapply frameworks to new product and partner contexts and know the right questionsto ask of central model-builders
• Comfortable operating in a matrix: reporting into a GM and aligned to wider company priorities,while working closely with the Credit and Commercial Strategy craft
• Cross-functional collaborator - able to work across product, engineering, risk, andcommercial within projects and bring those perspectives together around a coherent creditand commercial approach
• At ease with ambiguity and new product design - many of the challenges this role tackleswon'll have existing playbooks, and you'll need to build the approach from prior experience & understanding
• Clear communicator: able to translate complex credit and commercial concepts into practicalguidance for product teams, commercial leads, and GMs who aren't credit specialists
• Ability to work in a fast paced international changing environment