Head of Credit Strategy and Analytics at Uncapped

London, England, United Kingdom -

Full Time

Start Date

Immediate

Expiry Date

02 Mar, 26

Salary

0.0

Posted On

02 Dec, 25

Experience

10 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Risk Management, Data Analysis, Credit Strategy Development, Machine Learning, SQL, Python, Team Leadership, Communication, Innovative Mindset, Analytical Expertise

Industry

Financial Services

Description

Hybrid role based in London Role overview 🚀 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 🎁 At Uncapped, our people make us successful. We are a start-up with big goals, and we work hard, so we want to give everyone the benefits they really want. We are continually adding to this list as new people join -- here are some of the things you can expect: 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.

Responsibilities

Lead the design and implementation of credit risk management and analytics for Uncapped's small business lending portfolio. Oversee the creation of advanced credit risk models and ensure robust deployment of machine learning strategies.