Lending Director Lazio

Lending Director
Roma
Lazio, Lazio

We are looking for a new start up in the world of fintech personal loans, a Lending Director.

The role holder will be responsible for all aspects of the customer lending decision from assessing the credit risk, managing the underwriting policies and processes, the fraud defences, pricing, data analysis and modelling and collections strategy.

Your goal will be to create a solid and reliable competitive advantage in digital personal lending whilst delivering against the key elements of the budget, most specifically the Cost of Risk, fraud losses, product margin and revenue generation.

This role will report to the General Manager of the Italian Loans Business.

Mission and Activities

- Designing, evolving and managing the pricing strategy for the business ensuring margins are in line with the plan

- Developing the credit appetite for the business and setting the credit policies and strategies for business generation which is within appetite thresholds.

- Creating an effective fraud defence strategy which ensures the fraud losses experienced are within budget whilst reducing the false positive rate to a minimum

- Managing the manual underwriting team to work effectively alongside the automated credit strategies to provide credit decisions within SLA's whilst optimising the credit decision outcome

- Designing, implementing a collections strategy to optimise recoveries optimising the use of data, systems and external sources where appropriate e. g.

DRA'a

- Managing credit and fraud engines , Provenir and Accertify, deploying changes to optimise the automated lending decisions

- Creating an effective monitoring and reporting framework which measures performance to plan, with analysis recommending changes to policies and process where remedial action is required.

- Management of the IFRS9 provisioning modelling and providing insights and recommending changes where required.

- Designing & building the Open Banking modelling solution which will support a first in market Real Rate solution

- Creation of key management information reports with metrics that identifies trends and insights

- Developing models to use within lending and optimising as data and performance becomes available

- Managing a team of circa 12 FTE

- Working closely with the company and the broader group to realise synergies and cross business opportunities

- Stakeholder management at a senior level both to the CEO and Loans Board and stakeholders across the group

- Degree preferably in Statistics, Mathematics, Engineering or Economics

- Start-up and entrepreneurial mind-set, flexibility and hands-on approach

- 5-10 years' experience in first line credit risk and pricing with fraud and collections experience in addition being preferred.

- Experience at a senior manager level with strong influencing and judgement skills

- Cultural fit with Group informal and direct style

- Italian speaker but fluent in English.

Location: Rome with remote working available

LI-AS4