Senior Credit Transformation Manager

This role reports direct into our Chief Lending Officer. Fluro runs prime/near-prime lending well. That's BAU — not this role. This role exists for the handful of initiatives that change what Fluro can do: new distribution, new segments, new products, new capabilities. Tycho — our move into individually-priced, market-based unsecured lending — is the template: one person, full ownership, concept to landed impact.

You own these initiatives and drive the strategy from concept to go to market detail - pricing, credit strategy, distribution - you make the trade-off calls when they come up. A cross-functional team builds it with you. Ownership runs through to BAU handover, not just launch. Spot and own initiatives that create real value for customers and for Fluro — not incremental tweaks to what already exists.

Need to haves: Ownership and drive — you don't wait to be told. Entrepreneurial instinct — you spot value fast and move on it. Comfortable across disciplines — Risk, Product, Commercial, Finance, Ops. Strong-minded, and great with people — you bring people with very different skills and motivations with you, you don't need to win the argument.

A deep grip on customer lifetime value — the causal drivers, their elasticities, their value impact. You own the trade-off call, not escalate every one. Track record: idea to delivered outcome, on the hook for the result. Sharp with numbers — table stakes here, not the differentiator. Nice to haves: New product, partnerships, or affinity channel experience.

Scaling fintech or digital lender background Spot and own initiatives that create real value for customers and for Fluro — not incremental tweaks to what already exists. Own the value case: pricing, credit strategy, distribution. Build it, pressure-test it, decide. Run your own numbers — you don't wait for someone else to build the model.

Work cross-functionally — Credit Risk, Product, Commercial, Finance, Operations — to get it built and live, fast. Make the trade-off calls yourself. Escalate risks you need to. Stay on it until impact is proven and it's handed off clean — not shipped and forgotten. One initiative at a time. The role requires the ability to lead, influence and coach others.

Pension scheme – Fluro matches up to 5% Health Insurance, which includes covering the full cost of premiums and can be extended to cover any dependants who live at the same address Fluro pays up to £30 per month towards an employee’s gym membership Life insurance policy – 4x salary Income protection policy Service Recognition for 5+ years and 10+ years at Fluro