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Role Overview We are seeking a visionary and analytically driven Head of Credit Strategy & Analytics to lead credit policy, data-driven decisioning, and portfolio risk management for our business lending organization. This leader will be responsible for designing scalable credit strategies, building world-class analytical capabilities, and driving profitable growth while safeguarding portfolio quality across diverse business lending products. The ideal candidate brings a unique combination of deep credit expertise, strong technical and analytical skills, and strategic leadership experience within SMB or commercial lending environments. Key Responsibilities1. Credit Strategy Leadership Define and continuously refine credit strategies across the full customer lifecycle—acquisition, underwriting, line assignment, pricing, renewals, and collections.Design risk appetite frameworks and ensure alignment with corporate goals, capital targets, and market conditions.Develop differentiated strategies for varying customer segments, industries, product types, and risk profiles. 2. Underwriting & Portfolio Management Lead development of underwriting standards, decisioning rules, credit policies, and documentation.Oversee portfolio performance, monitor emerging risks, and identify opportunities to optimize growth vs. risk trade-offs.Implement early-warning systems and triggers to proactively manage delinquencies and credit losses. 3. Credit Analytics & Decisioning Infrastructure Build and lead a high-performing analytics team responsible for data science, BI, modelling, and quantitative strategy.Own model development and performance for: Small business credit scorecardsPD/LG