This senior role exists to consider Shift's overall lending portfolio performance within an agreed risk appetite. You'll be heavily involved in data & portfolio analysis work to recommend product targets and identify opportunities. We'll look to you for recommendations for product and channel enhancements, providing regular reports and updates to senior management. Reporting directly into the Chief Risk Officer, you'll be a lead influencer on our underwriting policy and model settings, working in collaboration with our internal Product & Pricing Committee. We have a specialist Data team and you'll be a key stakeholder, enhancing the PD model and to leverage data-driven insights and analytics.