Consumer

Our fast-growing Consumer business provides tailored lending and savings products directly to consumers and through strategic partners.

Our Consumer lending products include award winning personal loans; and point of sale finance packages to help well known retailers, home improvement and holiday ownership companies make the purchase process simple for their customers. We also offer savings accounts for personal and business customers.

 

Functions and roles

Functions and roles

The division is structured into four teams that work across both savings and lending propositions:

  • Products and Markets – The Products and Markets team is responsible for driving growth within existing and new markets, by developing and delivering our product, distribution and marketing strategies.
  • Risk and Fraud - Monitoring and managing all aspects of risk for the division (including acquisition, portfolio, conduct, operational and fraud), the Risk and Fraud team ensures the business grows in a safe and sustainable way, whilst embedding a strong risk culture to ensure alignment to and compliance with relevant regulation.

  • Portfolio Management – The Portfolio Management team is responsible for developing and delivering pricing strategies and models, developing ongoing customer management strategies, supporting business development opportunities and building detailed profitability analysis for our lending and savings products. The team produces advanced analytics to enhance our portfolio reporting and insight, combined with developing new tools and techniques to ensure we effectively manage portfolio returns against agreed budgets. 

  • Commercial – Focussed on strategy, change delivery and product management, the Commercial team is continuously improving our current propositions, whilst identifying and progressing opportunities to further aid delivery of the strategy and ambitions of the business. 

Types of roles within this division include:

  • Credit Risk Manager
  • Pricing Manager
  • Assistant Product Manager
  • Senior Insights Manager
  • Business Development Manager
  • Change Manager
  • Senior Marketing Executive

Meet some of the team

Paul - Products and Markets Director

Mark - Head of Product and Insight