Senior Manager of Credit Risk Originations Strategy

• We’re looking for an experienced credit-risk professional to lead our New Business Originations strategy and a small team of analysts
• The role will combine strategic ownership with hands‑on analytical delivery, translating complex business questions into clear recommendations and controlled strategy changes
• The successful candidate will balance sustainable growth, profitability, credit performance and good customer outcomes within Jaja’s risk appetite
• Optimise credit risk strategies for acquisition of new customers, balancing risk and reward to optimise profitability within business risk appetite
• Lead strategy changes from initial analysis and recommendation through governance, implementation, validation and post‑implementation monitoring
• Lead, coach and develop a small team of analysts, setting priorities, assuring the quality of analytical delivery and supporting their professional development
• Use tools such as SQL and Python to manipulate and analyse data
• Promote a test‑and‑learn approach, constantly challenging existing strategies and processes to find better outcomes
• Provide the business with data‑based insight and recommendations for improving decision strategies for new customers covering initial credit limits, policy rules, promotional offers
• Perform detailed analysis on origination vintage performance trends to ensure new lending remains sustainable
• Collaborate with a wider variety of stakeholders, including Tech, DataOps, Commercial Finance, Customer Service, and Compliance to ensure smooth delivery of strategies in alignment for forecasts
• Maintain effective governance and controls including clear documentation, approvals, implementation testing, monitoring and escalation of unexpected outcomes or control weaknesses

Benefits

• Compensation: We review salaries each year to ensure performance is rewarded and we retain our talent. If your responsibilities increase, so will your pay! You’ll also be included in our annual discretionary bonus scheme, linked to your performance.
• Holiday: You’ll start with 25 days a year of annual leave, plus public holidays, with an extra day of holiday added for each completed year of service (up to a maximum of 30 days). Plus, we’ll give you your birthday off each year.
• Health & Wellbeing: We’ve got you covered with private health cover through Vitality, with some additional perks, discounts and rewards to keep you active. You can also take advantage of our Employee Assistance Programme, with 24/7 support for issues like bereavement and health worries, access the cycle to work scheme and benefit from paid sick leave if you need to take a break.
• Learning & Development: We have a variety of internal learning opportunities to support your development, including company‑funded training to support your professional development, and department‑specific career pathways to provide growth and advancement opportunities.
• Pension: UK and Ireland‑based employees will be automatically opted in to our enhanced pension scheme, with options to flex your contribution via our salary exchange scheme (or opt‑out completely) as your choose.
• Family: All colleagues benefit from life insurance (4x base salary) and paid maternity, paternity, adoption or shared parental leave, if you’ve been with us for at least 26 weeks. Our flexible working policy is designed to offer support where needed.

• A degree in a quantitative field like Economics, Mathematics, Statistics, Business or Computer Science
• The ability to interact and work alongside key stakeholders at all levels across the business with attention to expectation management
• The ability to prioritise workloads and manage time effectively
• Experience in managing analysts
• Extensive experience using SQL to extract and manipulate data, Python is a plus
• Experience in clearly communicating complex analytical insights in a simple manner to diverse audiences, including both technical and non‑technical stakeholders
• 5+ years of experience in an analytical role, ideally in unsecured credit risk / credit cards
• You are comfortable using a direct language and speaking in a straightforward yet respectful manner to save people time and simplify everyone’s workday
• You care deeply about helping customers manage their money in a smarter way and want to make a tangible impact in the consumer finance industry, by applying innovative technology and processes
• You are execution focused and love rolling up your sleeves to get it done – you are hands‑on, proactive and take solutions / process orientated approach to your work
• You are self‑motivating and can switch between working independently to collaborating as a team with ease

What we’re doing at Jaja excites you!

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