Lending Portfolio Lead

Overview

As Lending Portfolio Lead, you will shape the decisioning strategy for Boxed’s consumer lending products to improve P&L outcomes. You’ll collaborate with central credit and fraud teams and cross-functional partners to optimize credit and fraud processes and implement data-driven improvements. This role sits in the Commercial Strategy team and offers the chance to influence the broader decisioning agenda across NatWest Boxed. You’ll work on hands-on analytics, develop MI, and translate complex analyses into actionable recommendations. You will join a collaborative, fast-moving fintech environment with meaningful, measurable impact.

Responsibilities

• Define and deliver optimisation roadmaps for credit and fraud in Boxed products to improve financial outcomes
• Champion business priorities to influence the Group’s decisioning agenda
• Act as SME in commercial discussions, evaluating opportunities and deal viability
• Provide data-driven input on KPI forecasting and credit/fraud implications
• Conduct quantitative analyses to generate actionable insights and recommendations
• Develop internal credit and fraud MI with cross-functional collaboration
• Collaborate cross-functionally with Credit, Fraud, Product, Data, Operations, Risk, Finance
• Work with engineering and product teams to operationalize strategy changes in lending platforms

Key requirements

• Extensive experience in Credit Strategy and Analytics in consumer lending
• Strong understanding of end-to-end digital consumer lending decisioning lifecycle
• Proficiency in SQL, Python and Excel for data analysis and informing initiatives
• Ability to distill complex analyses into clear narratives for diverse stakeholders
• Comfort operating in a fast-moving, evolving environment
• Curiosity about Fintech/BaaS commercial models and products

• strong communication
• collaboration
• stakeholder management
• SQL
• Python
• Excel

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