Fluro
Senior Credit Transformation Manager
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About the Role
This role reports direct into our Chief Lending Officer. Fluro runs prime/near-prime lending well. That's BAU — not this role. This role exists for the handful of initiatives that change what Fluro can do: new distribution, new segments, new products, new capabilities. Tycho — our move into individually-priced, market-based unsecured lending — is the template: one person, full ownership, concept to landed impact. You own these initiatives and drive the strategy from concept to go to market detail - pricing, credit strategy, distribution - you make the trade-off calls when they come up. A cross-functional team builds it with you. Ownership runs through to BAU handover, not just launch. Spot and own initiatives that create real value for customers and for Fluro — not incremental tweaks to what already exists.
Responsibilities
- Spot and own initiatives that create real value for customers and for Fluro — not incremental tweaks to what already exists.
- Own the value case: pricing, credit strategy, distribution. Build it, pressure-test it, decide.
- Run your own numbers — you don't wait for someone else to build the model.
- Work cross-functionally — Credit Risk, Product, Commercial, Finance, Operations — to get it built and live, fast.
- Make the trade-off calls yourself. Escalate risks you need to.
- Stay on it until impact is proven and it's handed off clean — not shipped and forgotten. One initiative at a time.
- The role requires the ability to lead, influence and coach others.
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Requirements
Need to haves:
- Ownership and drive — you don't wait to be told.
- Entrepreneurial instinct — you spot value fast and move on it.
- Comfortable across disciplines — Risk, Product, Commercial, Finance, Ops.
- Strong-minded, and great with people — you bring people with very different skills and motivations with you, you don't need to win the argument.
- A deep grip on customer lifetime value — the causal drivers, their elasticities, their value impact.
- You own the trade-off call, not escalate every one.
- Track record: idea to delivered outcome, on the hook for the result.
- Sharp with numbers — table stakes here, not the differentiator.
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Nice to haves:
- New product, partnerships, or affinity channel experience.
- Scaling fintech or digital lender background
Benefits
- Pension scheme – Fluro matches up to 5%
- Health Insurance, which includes covering the full cost of premiums and can be extended to cover any dependants who live at the same address
- Fluro pays up to £30 per month towards an employee’s gym membership
- Life insurance policy – 4x salary
- Income protection policy
- Service Recognition for 5+ years and 10+ years at Fluro
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