This is an opportunity to join a reputable, growing, and forward-thinking organisation, within the financial services sector. You'll be joining the business during an exciting period of evolution and growth. The role sits at the heart of the Credit Risk function, working closely with senior leadership to shape lending strategy, optimise decisioning, and support responsible, sustainable growth. You'll be trusted to challenge thinking, influence decisions, and continuously improve how lending decisions are made through data, insight, and commercial awareness. The environment is agile, collaborative, and commercially driven, offering genuine visibility and the opportunity to make a real impact. What You'll Be Doing Credit Strategy & Decisioning Owning and optimising the credit decision engine, underwriting rules, and acceptance criteria Developing and refining scorecards and affordability models Driving smarter lending decisions aligned to risk appetite and FCA expectations Running struct...