In this role you will be responsible for the credit performance of Shift’s Trade product against predefined KPIs.  The role encompasses owning credit decisioning models, portfolio management and monitoring the end-to-end operational performance of the business for factors that influence the credit performance of the product portfolio. Own the credit performance of Shift’s Trade product from origination through to recovery ensuring the portfolio grows in line with Shift’s expectations of credit loss. This will involve taking ownership of origination models, customer account monitoring and analysis for of platform and processes for factors that are influencing credit performance. Provide recommendations for changes to the models, credit policy and underwriting guidelines.  Serve as a member of the Trade management team, responsible for reporting on the credit performance and its influencing factors to the broader group  Ensure portfolio is optimised by ensuring exposure to low risk grade customers is increase whilst reduced to those that deteriorate . Provide performance reporting to 2nd Line Risk responding appropriately to any queries 
