Head of Existing Customer Management (ECM)

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London / £80000 - £150000 annum

INFO

Salary
SALARY:

£80000 - £150000

Location

LOCATION

London

Job Type
JOB TYPE

Permanent

HEAD OF ECM

LONDON - HYBRID

UP TO £150,000

A rare opportunity to take full ownership of Cards ECM in a profitable, scaling UK-regulated lender.

THE ROLE

  • End-to-end portfolio ownership- You will define and execute lifecycle strategy from activation through growth, retention, and reactivation, setting credit line and APR strategies, vintage repricing, balance transfer propositions, and cross-sell/up-sell activity. You will be accountable for overall portfolio performance, including exposure management, vintage roll rates, early delinquency management, revolver vs transactor segmentation, and attrition reduction.

  • Strategic and regulatory alignment- You will sponsor scorecard and policy changes with Credit Risk, run test-and-learn programs at scale, align acquisition strategy with in-life portfolio learnings, and ensure compliance with FCA Consumer Duty, Fair Value Assessments, reasonable foreseeability testing, vulnerable customer oversight, and Section 75 considerations.

  • Leadership and governance- Lead weekly performance reviews with clear drivers, decisions, and owners; write and present papers to Credit Risk Committee and CustCo; manage cross-functional dependencies; challenge senior stakeholders where necessary; and ensure all decisions are executed with accountability and commercial focus.

REQUIREMENTS

  • ECM/ credit strategy- experience running/ ownership of ECM within a lender
  • SQL/ SAS experience
  • Management experience

HOW TO APPLY

Please apply below or send CV

CONTACT

Francesca Hardcastle

Senior Recruitment Consultant

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JOB RESULTS

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