Head of Credit & Commercial Strategy

Overview

In this role, you will own the credit and commercial strategy for your platform family, translating GM priorities into clear questions and guiding where central support is needed. You’ll shape how credit frameworks, pricing models and segmentation apply to new products, while driving end-to-end initiatives such as Auto-Flex. You’ll collaborate across product, engineering, risk and commercial teams to ensure credit strategy informs roadmaps and go-to-market plans. You’ll explain complex concepts clearly to non-specialists and help build literacy across the team. This is a growth-focused, data-led position at a fast-moving fintech scale-up with a strong culture of collaboration and flexibility

Pay / Benefits

• Real Living Wage employer
• hybrid working policy
• in-office 3 days a week
• flexible culture

Responsibilities

• Own credit and commercial strategy within your platform family and translate priorities into actionable questions
• Bring credit and commercial frameworks into family-level decisions and flag where central support is needed
• Lead end-to-end commercial and credit initiatives (e.g., Auto-Flex pricing, funded amounts, and dynamic price evolution)
• Collaborate cross-functionally with product, engineering, underwriting, and commercial teams to feed strategy into roadmaps and GTM
• Co-build models and decisioning approaches with the Credit and Commercial Strategy craft and translate family needs into model requirements
• Educate the team by explaining complex concepts and building literacy across non-credit stakeholders

Key requirements

• Strong grounding in unit economics, credit, pricing and commercial modelling
• Comfortable operating in a matrix with reporting lines to a GM and alignment to family priorities
• Proven ability to work cross-functionally across product, engineering, risk and commercial
• Ability to operate in ambiguity and design approaches from first principles
• Clear communicator able to translate complex concepts into practical guidance

• Cross-functional collaboration
• Clear communication
• Comfort with ambiguity
• Credit modelling
• Pricing models
• Segmentation

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