Director of Credit Risk Modelling and Analytics

About Us:

One-third of the UK’s working-age population is unable to access mainstream financial services. These individuals are excluded from affordable credit and underserved by traditional financial institutions. Our purpose is “To improve the nation’s financial health through accessibility, affordability, and community.”

We are a fast-growing social FinTech company, empowering not-for-profit Credit Unions in the UK with cutting-edge technology. Our goal is to transform a select group of Community Lenders into a network of challenger banks that provide a viable alternative to high-cost lenders.

With a small yet dynamic team of over 250 people, we offer the opportunity to make an immediate impact and grow with us. We currently serve over 120,000 customers, and this number continues to grow rapidly. Our leadership team combines over 100 years of experience at leading financial institutions, including Credit Suisse, UBS, NatWest, Capital One, and Barclays.

The Role:

At Amplifi, credit risk modelling and analytics are at the core of enabling responsible, data-driven growth. As the Director of Credit Risk Modelling and Analytics, you will combine strategic oversight with technical expertise to lead the development of advanced credit models and analytics frameworks that support sustainable growth, sound risk management, and excellent customer outcomes.

This is a high-impact leadership role, where you will spearhead initiatives in credit risk strategy, model development, portfolio analytics, and governance while fostering collaboration across pricing, product, engineering, and commercial teams. A critical aspect of the role is building and leading a high-calibre team of analytical talent, cultivating an environment of innovation, collaboration, and continuous development to drive excellence across all credit risk initiatives. 

You will also serve as the organisation’s primary expert on credit risk management, ensuring alignment with regulatory requirements and contributing to strategic decisions at the highest levels, engaging with the Executive Committee, Board members, and the Credit Unions we partner with.

Responsibilities:

• Team Leadership: Build and lead a high-performing team, mentoring and supporting team members in developing their skills and advancing their careers.
• Lending Strategy: Lead the design and implementation of credit frameworks and responsible lending strategies, ensuring alignment with business growth objectives and regulatory requirements.
• Credit Modelling and Data Science: Lead the design, development, implementation and maintenance of advanced credit risk models, combining traditional techniques with machine learning to optimise underwriting, pricing, and portfolio management.
• Data-Driven Insights: Be responsible for the monitoring of portfolio performance, identifying risks and opportunities, and providing actionable insights to enhance credit policies and customer journeys.
• Strategic Foresight: Provide thought leadership on advances in credit risk assessments, new industry trends, data sources and products, highlighting risks and opportunities for data-driven growth.
• Governance and Compliance: Create and maintain governance frameworks, ensuring compliance with regulatory requirements and internal risk management policies.
• Cross-Functional Collaboration: Partner with pricing, product, operations, marketing, and engineering teams to deliver innovative, data-driven solutions that balance growth with sound risk management.
• Stakeholder Engagement: Present insights, strategies, and recommendations to the Executive Committee, Board members, Credit Unions, and other external stakeholders, fostering alignment on key initiatives.

Requirements

To excel in this role, you should have:

• Experience: 10+ years in credit risk modelling, decision science, analytics, risk forecasting within financial services and preferably consumer lending.
• Leadership: Proven ability to lead and mentor teams, with a track record of delivering high-impact initiatives in a fast-paced environment.
• Analytical Skills: Strong problem-solving abilities, with experience developing and deploying compliant and innovative credit risk models and lending strategies, including responsible lending frameworks and underwriting automation.
• Technical Expertise: Although the role is not technically hands-on, proficiency in SQL is essential and experience with Python, R, or other data science tools is desirable, in order to enable coaching and evaluation of your team members.
• Data Knowledge: Demonstrate in-depth experience with traditional consumer credit data (e.g. Experian, Equifax, TransUnion) and new sources (Open Banking).
• Communication: Excellent written and verbal communication skills, with the ability to articulate complex concepts to technical and non-technical audiences, including ExCo and Board members.
• Regulatory Knowledge: A solid understanding of the current regulatory landscape for consumer lending, and a view on upcoming meaningful changes and an ability to balance commercial goals, customer needs, and compliance requirements.

Also Desirable:

• Familiarity with machine learning techniques and their application in credit risk modelling.
• Hands-on prior experience with unsecured personal loans.

Benefits

• Competitive salary
• 25 days annual leave
• Discount shopping
• Private Health Cover via Bupa
• Cycle-to-Work Scheme
• Subsidised nursery scheme
• Subsidised gym membership
• Hybrid working (2 days from home)

Commitment:

We are committed to equality of opportunity for all staff and applications from individuals are encouraged regardless of age, disability, sex, gender reassignment, sexual orientation, pregnancy and maternity, race, religion or belief and marriage and civil partnerships.

Please note that all offers of employment are conditional on us obtaining satisfactory pre-employment checks, including a DBS check, a credit check and employment references.