Senior Manager, Lending Credit Strategy, Cards

At New Day, we’re building smarter, more responsible ways to lend — and this role sits right at the centre of it.

As a Senior Manager on the New Lending Credit Strategy team, you’ll lead how we decide on new customers across our credit card portfolio. You’ll balance growth, risk, and customer outcomes, using data, insight, and innovation to shape strategies that perform. This is a hands‑on leadership role that combines deep analytical work with people leadership to own all lending to new customers across one of the UK’s largest Credit Card portfolios.

• Lead and develop a small team of analysts, driving high performance and strong technical delivery.
• Design and evolve new lending strategies across six credit card products, adapting to business priorities and market conditions.
• Optimize credit decision‑making to balance customer outcomes, commercial performance, and risk appetite.
• Use data and analytics to generate insight, answer key business questions, and influence senior stakeholders.
• Expand and embed Open Banking strategies into decision‑making to unlock new opportunities.
• Partner closely with teams across Commercial, Marketing, Data Science, Finance, Product, Fraud, Legal, and Risk to support delivery of business targets through underwriting innovation and strategy development.

• Strong background in credit risk / affordability strategy within consumer lending (cards or loans).
• Proven experience designing and optimizing lending strategies.
• Experience leading or mentoring analysts in a fast‑paced environment.

• Hands‑on coding experience (using SQL and ideally Python).
• Strong analytical capability with the ability to turn data into commercial outcomes.
• Familiarity with modelling techniques and working closely with data science teams.

• Strategic mindset with the ability to influence decisions at senior level.
• Strong communicator who can simplify complex ideas clearly.
• Collaborative approach with the confidence to challenge and improve existing ways of working.
• Experience working with cross‑functional teams and presenting in decision‑making forums.

You’ll play a key role in shaping how New Day lends to new customers — influencing decisions that impact millions of people, while helping us grow responsibly.

Opportunities include:

• Own high‑impact strategy end‑to‑end.
• Be the “face of cards” in key forums and discussions.
• Work at the intersection of data, risk, and commercial performance.
• Help scale innovative approaches like Open Banking across our decision‑making.

At New Day, we value all types of diversity. We’re an equal opportunity employer and believe that our differences create a vibrant, authentic working culture. We want all our colleagues to feel able to bring their whole selves to work. We do not discriminate on the basis of protected characteristics or identities. We make sure that every job is crafted to be inclusive and that people with disabilities or caring responsibilities can take part in the application and interview process.

Tell us if you need accommodations:
We’ll put reasonable adjustments in place to support you.