Senior Manager, Credit Risk Originations Strategy

Hybrid

London - Harling house, 47-51 Great Suffolk St, London, SE1 0BS

Analytics

Full Time

Do you enjoy developing customer lifecycle strategies that drive engagement, improve customer outcomes, and deliver measurable business results?

Are you passionate about using customer data, insights, and testing to create targeted campaigns that support customers throughout their credit card journey? If you thrive in a fast‑paced environment, enjoy leading cross‑functional projects from concept to delivery, and can confidently influence stakeholders at all levels, we'd love to hear from you.

Jaja is a UK‑based consumer finance business with a simple mission: to empower customers to buy, borrow and build using smart tech, strong data, and clear design. We launched our digital credit card in 2018 and we’re continuing to grow, with new products and experiences in the pipeline. Our goal is to strip out unnecessary complexity and give people more control over their money — or as we put it, Make Simple.

Our values guide how we work:
Care Deeply. Adapt & Thrive. Challenge Everything. Go For It. Own It. Make It Simple. We’re scaling quickly, and there’s a lot of exciting change happening across the business.

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, Data Ops, 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.

• A degree in a quantitative field like Economics, Mathematics, Statistics, Business or Computer Science
• 5+ years of experience in an analytical role, ideally in unsecured credit risk / credit cards.
• Extensive experience using SQL to extract and manipulate data, Python is a plus.
• The ability to prioritise workloads and manage time effectively.
• The ability to interact and work alongside key stakeholders at all levels across the business with attention to expectation management.
• Experience in clearly communicating complex analytical insights in a simple manner to diverse audiences, including both technical and non‑technical…