At NewDay, we’re building smarter, more responsible ways to lend — and this role sits right at the centre of it.
As a Senior Manager in our New Lending Credit Strategy team, you’ll lead how we decision new customers across our credit card portfolio. You’ll balance growth, risk, and customer outcomes, using data, insight and innovation to shape strategies that perform.
This is a hands-on leadership role — combining deep analytical work with people leadership to own all lending to new customers across one of the UK’s largest Credit Card portfolios.
What you’ll be doing
Lead and develop a small team of analysts, driving high performance and strong technical delivery
Design and evolve new lending strategies across 6 credit card products, adapting to business priorities and market conditions
Optimise credit decisioning to balance customer outcomes, commercial performance and risk appetite
Use data and analytics to generate insight, answer key business questions and influence senior stakeholders
Expand and embed Open Banking strategies into decisioning to unlock new opportunities
Partner closely with teams across Commercial, Marketing, Data Science, Finance, Product, Fraud, Legal and Risk
Support delivery of business targets through underwriting innovation and strategy development
What we’re looking for
Core experience
Strong background in credit risk / affordability strategy within consumer lending (cards or loans)
Proven experience designing and optimising lending strategies
Experience leading or mentoring analysts in a fast-paced environment
Technical skills
Hands-on coding experience (using SQL and ideally Python)
Strong analytical capability with the ability to turn data into commercial outcomes
What sets you apart
Strategic mindset with the ability to influence decisions at senior level
Strong communicator who can simplify complex ideas clearly
Collaborative approach with the confidence to challenge and improve existing ways of working
Experience working with cross-functional teams and presenting in decision-making forums
Familiarity with modelling techniques and working closely with data science teams.
Why this role matters
You’ll play a key role in shaping how NewDay lends to new customers — influencing decisions that impact millions of people, while helping us grow responsibly.
This is an opportunity to:
Own high-impact strategy end-to-end
Be the “face of cards” in key forums and discussions
Work at the intersection of data, risk, and commercial performance
Help scale innovative approaches like Open Banking across our decisioning
#LI-Hybrid
#LI-TM1
At NewDay, we value all types of diversity. We’re an equal opportunity employer and believe that our differences create a vibrant, authentic working culture. We want all our colleagues to feel able to bring their whole selves to work. We don’t discriminate on the basis of protected characteristics or identities. We make sure that every job is crafted to be inclusive and that people with disabilities or caring responsibilities can take part in the application and interview process.
Tell us if you need accommodations: We’ll put reasonable adjustments in place to support you.
We work with Textio to make our job design and hiring inclusive.
PermanentSenior Manager, New Lending Credit Strategy, Cards.docxSkills Required
- Strong background in credit risk/affordability strategy within consumer lending
- Proven experience designing and optimizing lending strategies
- Experience leading or mentoring analysts
- Hands-on coding experience using SQL and ideally Python
- Strong analytical capability
What We Do
At NewDay, our business is focused on a single, clear and defining purpose: to help people move forward with credit. We provide nearly 4 million customers with responsible access to credit, underpinned by best-in-class customer service and exceptional user experience. Our in-house, highly scalable digital platform alongside our proprietary credit decisioning capability unlocks our competitive advantage. Our broad credit product offering enables instalment finance, BNPL, 0% finance and carded and digital revolving credit. We operate multiple direct-to-consumer products and a range of credit solutions with some of the UK’s most loved brands. Our underwriting capability and experience allow us to responsibly say yes to more UK customers making us a merchant partner of choice. We partner to harness the power of data to drive commerce across the UK, creating value at scale.
