Head of Credit Propositions - City, Birmingham, United Kingdom, B1


Head of Credit Propositions

We are currently seeking a senior manager to join a growing online retailer. This role can be based in our Head office in Birmingham (B26) or our Leeds office.

Salary £50k -£120k (depending on experience) + Car allowance + Excellent Benefits Package

Purpose of the Role

As a member of the Executive team, the purpose of the role is to further develop the credit proposition of the PerfectHome business.

Duties and Responsibilities

  • Devise the product vision, strategy, pricing and target markets for the credit proposition
  • Execute the vision for a seamless customer journey (origination, underwriting, collections)
  • Work closely with the Credit Risk team to ensure appropriate risk appetite for new products
  • Ongoing management of all credit products post implementation ensuring they continue to meet FCA regulations
  • Manage all products against agreed financial and non-financial targets

Key skills

  • Leadership experience within a role where you have driven the rapid growth of a digital B2C/B2B proposition, ideally a fast growth start-up
  • Deep understanding of product development from engineering design to build and launch of successful digital products including pricing
  • Experience of managing a multi £m P&L
  • A track record of scaling teams and knowledge of what it takes to be a successful business leader
  • Extensively experienced Consumer Finance professional with detailed knowledge of credit risk strategies
  • Fintech experience desired. Web based/ online experience essential
  • Strong Sales and Business development background
  • Understanding of technology and its role in driving the credit proposition