Manager – Consumer Lending Capital Optimisation (Fintech)

TL;DR

Manager – Consumer Lending Capital Optimisation (Fintech): Improving capital efficiency and delivering stronger customer outcomes across a diverse consumer lending portfolio with an accent on product design and risk transfer. Focus on analyzing capital impacts, turning data into insights, and optimizing portfolio performance.

Location: Hybrid (Leeds, Bristol, Chester, Halifax). Must be based in the UK and spend at least two days per week (40% of time) at one of the office sites

Salary: £67,023 - £74,470

Company

A leading UK banking group transforming the future of finance to deliver better outcomes for customers.

What you will do

• Improve capital efficiency across a large and diverse consumer lending portfolio.
• Collaborate on product design, customer strategy, portfolio optimisation, and risk transfer initiatives.
• Analyze capital impacts and convert complex data into clear, actionable business insights.
• Work cross-functionally with Product, Risk, Finance, and Treasury teams.
• Support strategic decisions that shape how performance is optimised across Consumer Lending.

Requirements

• 3+ years of experience in financial services, analytical, or commercial roles working with data and business performance.
• 2+ years of experience analyzing information to support executive decision-making.
• Knowledge of financial, portfolio, or capital concepts.
• Strong stakeholder management skills and the ability to explain complex ideas clearly.
• Ability to manage multiple priorities and deliver both independently and as part of a team.

Nice to have

• Experience working specifically with Product, Risk, Finance, or Treasury teams.
• Exposure to risk transfer, lending portfolios, or customer strategy.
• Experience contributing to agile delivery or cross-functional change initiatives.

Culture & Benefits

• Generous pension contribution of up to 15%.
• Annual performance-related bonus and share schemes, including free shares.
• 30 days of holiday plus bank holidays.
• Hybrid working model with a "Flexibility Works" policy for workplace adjustments.
• Comprehensive wellbeing initiatives and generous parental leave policies.