Commercial Manager - Lending

Join us as a Commercial Manager - Lending - NatWest Boxed

• You will be instrumental in enabling profitable growth for the unsecured personal lending (UPL) business of NatWest Boxed
• You will leverage your data analytics, stakeholder management and commercial performance improvement skills to help us scale with our clients
• Joining a collaborative and friendly team, you’ll have the opportunity to broaden your network and relationships as you work closely with key areas of the business

What you'll do

As a Commercial Manager, you’ll conduct analyses to drive understanding of the commercial performance of our unsecured personal lending product and major underlying drivers. You'll be collaborating with internal stakeholder functions such as Credit Risk, Retail Pricing, Product, Finance and Strategy to optimise the cross-client portfolio strategy and returns

We’ll also expect you to:

• Continuously look for ways to optimise our volume, margin, risk, conversion and CAC trade-offs and work with Pricing and Credit Risk teams to refine and execute recommendations
• Work with internal stakeholders across internal functions, clients and aggregator partners to execute performance improvement initiatives
• Support the maintenance and continuously evolution of our in-life performance management models and MI
• Inform product roadmap by providing clear articulation and quantification of the commercial rationale

The skills you'll need

We’re looking for someone with experience in commercial management of unsecured personal lending products, ideally in an open market lending or embedded finance setting.

We’ll also need you to have:

• Strong problem solving and financial modelling skills. Experience in leading hypotheses-driven analyses. Ability to frame and communicate complex issues in a clear and structured manner
• Experience using Python and SQL to analyse complex data sets
• Deep intellectual curiosity and keen interest to get into the details of complex Fintech/Bank-as-a-Service (BaaS) commercial models and products
• Ability to operate effectively in a fast moving and evolving environment

Hours

Job Posting Closing Date: