Portfolio economics and business planning
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Own Android revenue, sustainable Gross Loan Book growth, risk-adjusted Gross Profit, economic profit and credit-risk performance
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Build and own the annual Android business plan and strategic roadmap
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Produce the monthly portfolio forecast and maintain a clear bridge between actual performance, budget and prior forecast
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Diagnose material variances and drive corrective actions with clear owners and deadlines
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Manage Expected Credit Loss, ECL/Revenue, approval and disbursal rates, Average Loan Size, tenure, exposure, FPD, roll rates, PAR, NPL, repeat value and CAC payback
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Partner with Finance and Portfolio Economics on loan-level and customer-level NPV, funding efficiency and performance attribution
End-to-end Android credit strategy
Own and continuously improve strategy across:
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New-to-Bank: low-and-grow origination, first-loan ticket, tenure, pricing and risk controls
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Returning: repeat eligibility, behavioural strategy, offer construction and exposure growth
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Top-Ups and Internal Consolidation: eligibility, incremental exposure, pricing, conversion and post-event risk
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High-risk segments: risk-box clean-up, pricing, short-tenure treatment and exposure caps
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Rejected-customer re-entry: controlled requalification using risk, affordability and alternative data
You will own the commercial application of PD cut-offs and calibration, pricing, offers, tenure, exposure limits, affordability, income-source treatment, fraud overlays, MBS treatments and customer-routing logic.
Affordability, experimentation and production delivery
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Help formalise and operationalise Android affordability using bank-statement/MBS signals, transaction behaviour, SMS-derived estimates, declared income and repayment history
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Translate affordability into amount, tenure, price, exposure, Top-Up and Consolidation decisions
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Design controlled A/B, multivariate and champion/challenger tests with explicit hypotheses, maturity windows, success measures and rollback triggers
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Measure full unit economics rather than only early risk metrics
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Translate strategy into decision-engine rules, parameters and implementation requirements
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Own replay, back-testing, validation, staged rollout, monitoring and post-implementation review
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Drive cross-functional dependencies through to production rather than stopping at analysis
Delegated decision rights
Within agreed appetite, budgets and authority, you will be empowered to:
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Prioritise and sequence the Android portfolio roadmap
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Approve and launch controlled experiments within agreed thresholds
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Scale, pause, modify or roll back strategies against predefined evidence and guardrails
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Reallocate team capacity across Android workstreams
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Escalate and resolve delivery blockers
You will escalate decisions that exceed delegated financial or risk thresholds, change company-level risk appetite, create material legal or customer-conduct implications, or materially affect another portfolio.
Team and cross-functional leadership
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Build and lead a senior Android credit-strategy team with clear workstream ownership
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Establish strong weekly and monthly portfolio rhythms
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Develop credible workstream owners and at least one portfolio deputy
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Reduce key-person dependency through documentation, controls and repeatable processes
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Work closely with Decision Science, Product, Engineering, Growth, Finance, Portfolio Economics, Collections, Fraud, Compliance, Legal, Operations and Customer Service
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Mobilise these partners around clear briefs, owners, timelines and expected economic impact