Director, Lending Portfolio Management – UnSecured Account Management Strategies

The Director Lending Portfolio Management Unsecured Account Management Strategies leads the development and supports the execution of Retail product suite credit strategies (one to focus on Unsecured Lending and one to focus on Business Banking). This role leverages bestinclass decisiontree technologies machinelearningenabled models and advanced optimization software to build nextgeneration credit decisioning that drives profitable growth enhances customer experience and strengthens portfolio resilience within the organizations risk appetite.

Acting as both a strategic leader and handson practitioner the Director defines the treatment strategy across the full accountmanagement lifecycle including credit limit management behavioural segmentation providing insight for predelinquency interventions and overall exposure management. This leader collaborates across Product Risk Technology Analytics and Operations teams to deliver scalable automated and analytically rigorous solutions that evolve with customer behaviour and market dynamics.

As a designated model user the Director provides critical direction on the models scores and analytical signals used to differentiate customer risk. They partner closely with model developers to ensure effective model use oversee integration of scores into strategy logic and actively ideate new tools segmentation approaches and analytical innovation to unlock incremental performance.

Key Responsibilities

• Strategy Design & Optimization:
  Build and enhance customerlevel account management strategies using stateoftheart decisiontree and optimization platforms aligning interventions to growth profitability and risk objectives.

• Model Use Leadership:
  Serve as a primary model user providing direction on how models and scores are applied within strategy designs ensuring appropriate interpretation calibration and segmentation to differentiate risk across the portfolio.

• Analytical Innovation & Ideation:
  Identify opportunities for new analytical tools behavioural scores challenger models and alternative data signals to drive stronger predictive power and improve strategy outcomes.

• ChampionChallenger Testing:
  Lead structured experimentation frameworks to evaluate iterate and scale new treatments segmentation schemes and decision pathways.

• Lifecycle Strategy Ownership:
  Oversee strategy design for credit limit management exposure optimization earlywarning treatments and performancebased customer interventions and work closely with UnSecured Acquisition and Collections strategies to ensure aligned actions across the customer lifecyle. .

• Technology & Execution Partnership:
  Collaborate with Technology and Analytics partners to translate complex strategy logic into deployable decision rules ensuring technical feasibility model governance alignment and operational integrity.

• Portfolio Monitoring & Insights:
  Provide deep datadriven insights into portfolio performance and emerging trends; recommend proactive adjustments to maintain performance within risk appetite.

• Governance & Risk Alignment:
  Ensure strategies comply with credit policy regulatory expectations and model governance standards including documentation monitoring and ongoing validation of strategy effectiveness.

• CrossFunctional Influence & Leadership:
  Act as a strategic advisor to senior leaders influencing decisions on customer experience risk appetite credit policy and product strategy across business units.

Qualifications & Experience

• Deep experience in Credit Card and/or Unsecured Lending account management or lifecycle strategy. (for Unsecured Lending)

• Deep experience in Business Banking. (for Business Banking)

• Advanced understanding of credit risk modelling concepts and practical experience as a model user.

• Proficiency with decision engines decisiontree software optimization tools and analytical platforms (e.g. FICO SAS ARGOSS ML scoring systems).

• Strong analytical and strategic problemsolving capabilities with the ability to translate insights into executable strategies.

• Proven ability to lead large crossfunctional initiatives and influence senior stakeholders.

• Comfort navigating model governance credit policy and regulatory frameworks.

• Demonstrated commitment to innovation experimentation and continuous strategy improvement.