What are the responsibilities and job description for the Director of Credit Risk & Analytics position at JCW Group?
Overview
A growing consumer finance business is hiring a Director of Credit Risk & Analytics to lead strategy and execution across its lending portfolio. The company operates at scale across retail and digital channels and is entering a key phase of growth, with new product launches planned and a strong focus on advancing its credit risk capabilities.
Why join
This is a high-impact role with real ownership and visibility. You will play a key part in shaping how credit risk, data, and AI are used to drive better decisioning and commercial outcomes. The business already has strong foundations in analytics and is looking for someone to take it to the next level by identifying new data opportunities and improving model performance.
What you will be doing
- Define and lead the credit risk and analytics strategy
- Assess and improve credit models, policies, and underwriting frameworks
- Identify new data sources and evaluate existing data signals
- Leverage AI/ML capabilities to enhance decisioning
- Drive improvements in approval rates, model performance, and loss rates
- Lead a team across underwriting and fraud analytics
- Support new product launches from a credit risk perspective
Profile
- Experience in sub-prime or non-prime lending is essential
- Strong background in credit risk and data analytics
- Ability to operate strategically while remaining hands-on
- Experience improving models, decisioning, and portfolio performance
- Background in consumer finance, fintech, or specialist lenders preferred
Salary : $160,000 - $190,000