Business Unit: RiskSalary range: £58,400 - £73,000Location: Hybrid - with occasional travel to a key hubContract type: Permanent (full time) Our Team Join our dynamic Credit Risk Strategy team, where innovation meets excellence! We are dedicated to designing and delivering cutting-edge credit card credit strategies and policies that drive growth while ensuring safe and responsible lending. Our team thrives on collaboration, creativity, and a relentless pursuit of excellence, making us a key player in the financial industry. What you''ll be doing Develop and implement innovative credit strategies and policies for unsecured cards lending products across Virgin Money''s key products and channels . Optimise credit decisioning tools, scorecards, and models to enhance lending strategies balancing the need for simplification with strategies suitable for key products and channels . Working closely with internal stakeholders such as Credit Modelling, Commercial, and Technology to ensure ideas and solutions are driven to tangible outcomes. Engage with credit bureau and third-party experts to stay competitive. Represent the Bank in key industry forums and regulatory engagements. Manage and support transformational credit decision initiatives. Lead a small expert team to deliver best-in-market credit solutions. Drive growth in lending within risk appetite and regulatory guidelines. We need you to have Strong experience in credit risk strategy management. Demonstrable strong analytic