CRS
Head of Credit & Commercial Strategy
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Head of Credit & Commercial Strategy
Location: London – Hybrid working
Salary: Circa £120K + Benefits
My client is an 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 SMEs, operate in 6 locations, and 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 a 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 together Pricing, Decisioning & AI/ML Credit Modelling and leveraging a data-led Credit approach to deliver exceptional outcomes for SMEs and partners and overall business objectives.
- Be responsible for bringing credit and commercial frameworks (e.g., return hurdles, pricing models, segmentation) into wider business decisions, and flag where we need new thinking or central support.
- Serve as a subject matter expert able to clearly explain complex concepts and educate the team to build literacy.
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- 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 to apply frameworks to new product and partner contexts and know the right questions to 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, and commercial within projects and bring those perspectives together around a coherent credit and commercial approach.
- At ease with ambiguity and new product design - many of the challenges this role tackles won't 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 practical guidance for product teams, commercial leads, and GMs who aren't credit specialists.
- Ability to work in a fast-paced international changing environment.
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