Key Responsibilities

Acquisition Strategy Design & Optimization

• Design, implement, and optimize endtoend Business Banking lending acquisition strategies using advanced decision tree, segmentation, and optimization platforms.

• Align interventions to growth, profitability, creditrisk appetite, and clientexperience objectives.

• Refine credit pathways and decision logic to ensure scalable, transparent, and consistent outcomes across all acquisition channels.

Adjudication Strategy Leadership Across Channels

• Support the design and calibration of adjudication strategies across digital, branch/advisor, centralized underwriting, and specialized credit teams.

• Ensure adjudication logic balances speed, quality, and risk integrity while accommodating the needs of diverse Business Banking segments and products.

• Maintain alignment across channels while enabling appropriate tiering, routing, and exceptions frameworks.

Model Use & Credit Intelligence

• Act as a designated model user, incorporating risk models, scores, behavioural indicators, and analytical signals into acquisition strategy logic.

• Partner with model developers to integrate new or enhanced risk tools, ensuring appropriate calibration, interpretation, and governance.

Analytical Innovation & Ideation

• Identify opportunities to introduce new analytical tools, segmentation techniques, challenger models, or alternative data sources to improve predictive power and decision quality.

• Lead ideation of new acquisition pathways that unlock lift in approval quality, booking yield, or conversion efficiency.

ChampionChallenger Strategy Testing

• Design and execute structured experimentation to evaluate new acquisition treatments, adjudication pathways, automated decisioning rules, and creditpolicy variations.

• Use evidencebased insights to iterate and scale successful strategies.

Technology & Execution Partnership

• Collaborate with Technology, Analytics, Underwriting, and Operations to translate strategy logic into deployable, automated decision rules.

• Ensure technical feasibility, modelgovernance alignment, operational integrity, and strong changemanagement discipline.

Acquisition Funnel Monitoring & Insights

• Monitor and analyze acquisition funnel performance including approval rates, booking quality, decline/refer patterns, product mix shifts, and competitive dynamics.

• Deliver insights on emerging trends, client behaviour, and earlylife risk performance to inform proactive strategy refinement.

Governance, Policy & Regulatory Alignment

• Ensure all acquisition strategies comply with credit policy, regulatory expectations, and modelgovernance standards.

• Lead or contribute to documentation, monitoring, validation, and oversight activities supporting credit strategy governance.

CrossFunctional Leadership & Influence

• Act as a strategic advisor to partners across Business Banking.

• Influence decisions related to credit policy, product design, channel strategy, adjudication frameworks, and risk appetite.

Qualifications & Experience

• Extensive experience in Business Banking lending, with a focus on acquisition, adjudication, and/or creditstrategy design.

• Advanced understanding of business credit risk modelling, financial analysis, and modelenabled decisioning.

• Proficiency with decision engines, decisiontree and optimization platforms, and analytical tools (e.g., FICO, SAS, ARGOSS, ML scoring systems).

• Strong analytical and strategic problemsolving skills with proven ability to convert insights into executable strategies.

• Demonstrated ability to lead crossfunctional initiatives and influence senior stakeholders.

• Deep knowledge of credit policy, regulatory frameworks, and model governance.

• Strong commitment to innovation, testandlearn culture, and continuous improvement.