Product Head: Scored

Purpose Statement

• The Product Head is accountable for end-to-end ownership of scored lending products and capabilities across Business Banking, including strategy, architecture alignment, roadmap, engineering delivery, product and system performance, regulatory compliance and client experience.


• The role ensures scored credit products are competitive, scalable, digitally led and underpinned by robust, secure and modern technology foundations. This includes ownership of score-more strategy, advanced decisioning integration, automated workflows, and continuous optimisation across secured, unsecured and transaction-linked scoring ecosystems.


• The Product Head operates at the intersection of product, technology, risk and data, ensuring credit capabilities are architecturally sound, cloud aligned, observable, resilient and future ready.

*NB. In the context of the operating model, a ‘product’ could be a product (e.g. Live Better) a channel (e.g. the App), a platform (e.g. Bancs) or a capability.

Education (Minimum)

Education (Ideal or Preferred)

Knowledge and Experience

Product & Business Leadership:

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  • 10+ years senior leadership experience in banking, fintech or digital financial services.
  
  
  • Proven experience in scorecard integration and credit workflow optimisation.
  
  
  
  

Technology & Engineering Leadership:

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  • Experience operating within modern cloud ecosystems (AWS preferred).
  
  
  • Understanding of microservices architecture, API-driven design and event-driven integration.
  
  
  • Experience in building scalable cloud-native services.
  
  
  • Knowledge of DevOps practices including CI/CD, observability and resilience engineering.
  
  
  • Oversight of engineering standards and secure coding practices.
  
  
  • Understanding of data engineering principles including feature stores and data governance.
  
  
  • Exposure to AI and machine learning enablement in credit decisioning and fraud detection.
  
  
  • Ability to translate architectural constraints into product roadmap decisions.
  
  
  
  

Data & Decisioning Capability:

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  • Advanced understanding of credit scorecards and decision strategy frameworks.
  
  
  • Experience with policy rule engines and decision modelling standards.
  
  
  • Champion–challenger testing and model performance monitoring.
  
  
  • Operational metric tracking across approval rates, conversion and profitability.
  
  
  
  

Governance, Risk & Compliance:

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  • Strong understanding of credit regulatory frameworks.
  
  
  • Oversight of model governance lifecycle and audit traceability.
  
  
  • Ensures compliance with security, risk and responsible lending standards.
  
  
  
  

People & Operating Model Leadership:

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  • Leads multidisciplinary squads across product, engineering, data and risk.
  
  
  • Drives engineering capability uplift and technical maturity.
  
  
  • Mentors technical leads, systems analysts and product managers.
  
  
  • Aligns delivery through a unified product operating model.
  
  
  
  

Skills

Additional Information