Job Description Own the execution and scale of scored lending across Personal & Private Banking by driving utilization, optimizing decision strategies, and enhancing digital lending journeys. Expand access to credit for new-to-bank and underserved customers through innovative, data-driven approaches, while leveraging strategic partnerships and ecosystems to accelerate acquisition, improve decisioning, and embed lending into customer journeys—balancing growth with strong risk discipline. Qualifications Type of Qualification: First Degree Field of Study: Business Commerce, Finance or related field Experience Required 5-7 years Proven experience in developing and refining scored lending strategies, including credit rules, scorecards, and decision-making frameworks Strong analytical capability with experience using data and insights to support credit decisions, optimise portfolio performance, and identify business growth opportunities Demonstrated experience in designing and enhancing lending products and customer journeys using customer behaviour, portfolio trends, and performance insights Experience collaborating with risk, data, and technology teams to translate lending strategies into effective solutions within decisioning systems. Behavioural Competencies: Generating Ideas Interacting with People Interpreting Data Producing Output Providing Insights Team Working Technical Competencies: Business Acumen Customer Understanding Data Analytics Financial Analysis Operational Planning Risk Identification Risk Management