zilch - Director of Portfolio Risk
Requirements
• Strong experience in credit risk, portfolio management, customer management, or lifecycle strategy, ideally within fintech or consumer lending • A track record of improving portfolio profitability while maintaining disciplined credit performance • Good understanding of portfolio dynamics, customer unit economics, credit performance, and risk-adjusted returns • Experience designing and optimising strategies across credit limits, exposure management, product graduation, or customer lifecycle management • Strong analytical capability, with the ability to translate data into clear decisions and commercial action • Experience operating with ownership in a fast-paced, data-driven environment • Comfortable working hands-on while also setting direction and leading others • Strong communication skills, with the ability to influence stakeholders and operate with senior visibility • Good understanding of governance, controls, and risk appetite frameworks within a regulated lending environment • Commercially minded, with the ability to balance growth, profitability, risk, and customer outcomes • Professional Memberships. • Learning Suite for e-courses. • Internal Training Programmes. • FCA & Regulatory training.
Responsibilities
• Own and evolve Zilch’s portfolio management strategy, balancing profitability, credit risk, customer value, and risk appetite • Define and optimise customer management frameworks across the existing book, including credit limits, product graduations, exposure management, and lifecycle treatment strategies • Develop a deep understanding of portfolio economics and customer behaviour, using this to inform strategy, trade-offs, and prioritisation • Take ownership of portfolio performance and key risk metrics, driving continuous improvement across profitability, losses, utilisation, arrears, and customer outcomes • Lead the development and refinement of credit limit management strategies, ensuring exposure is allocated effectively and sustainably • Shape product graduation and lifecycle strategies, identifying opportunities to deepen customer relationships while managing risk appropriately • Monitor portfolio performance and emerging risk trends, identifying opportunities and taking action to optimise outcomes • Partner closely with Product, Data, Finance, Operations, and Commercial teams to deliver initiatives that improve portfolio performance • Drive targeted initiatives and projects, ensuring clear delivery, robust measurement, and measurable commercial impact • Provide clear, data-driven insight and recommendations to senior stakeholders, supporting key strategic and risk decisions • Maintain strong governance across portfolio management activity, ensuring strategies are well controlled, documented, and aligned with risk appetite • Lead and develop a small team, setting clear direction while supporting their growth and impact
Benefits
• Pension scheme. • Death in Service scheme. • Income Protection. • Permanent employees enjoy access to our Share Options Scheme. • 5% back on in-app purchases. • £200 for WFH Setup. • Health & Wellbeing: • Private Medical Insurance including; • GP consultations (video, telephone or face-to-face). • Prescribed medication. • In-patient, day-patient and out-patient care. • Mental health support. • Optical, dental & audiological cover. • Physiotherapy. • Advanced cancer cover. • Menopause support. • Employee Assistance Programme including: • Unlimited mental health sessions. • 24/7 remote GP & physiotherapy. • 24/7 helpline for emotional & practical support. • Savings & discounts on everyday shopping. • 1:1 personalised well-being consultations. • Gym membership discounts. • Family Friendly Policies: • Enhanced maternity pay. • Enhanced paternity pay. • Enhanced adoption pay. • Enhanced shared parental leave. • Learning & Development: • Hybrid working: office-based Monday, Wednesday, and Thursday; remote working Tuesday and Friday • Casual dress code. • Workplace socials. • Healthy snacks.
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