ABOUT US

Onmo believes that everyone has the right to access, understand and manage their money with confidence. Our ambition is to improve lives by providing better clarity, intelligence and technology to empower every individual in making the smartest financial decisions. We may be young but we have an incredible team in place and big ambitions for the years ahead.

We design our products to help demystify money matters wherever possible, providing customers with more financial control and flexibility in their lives. This helps them get more from what they have, or with smart decisions, make more of the same. It also means people spend less time with the negative aspects of money and more on the positive - enjoying what the world has to offer.

ABOUT THE ROLE

Responsibilities:

• Optimising Risk Adjusted Margin across all areas of the credit lifecycle from Onboarding to Collections.

• Improving product offering, analyse customer friction areas and propose solutions incorporating business objectives and customer outcomes.

• Define commercial strategy and continuously optimise it to grow the business while maintaining strong returns

• Discover insights from data using tools like Python and SQL to find opportunities and optimise our strategy

• Seek out novel strategies and commercial approaches we can take advantage of

• Obsess over competitor trends and our performance through our diverse acquisition channels, responding quickly to changes in the market

• Collaborate cross-functionally with product, engineering, data, and our external partners to improve funnel performance

• Monitor and assess the success of implemented strategies and continuously identify areas for improvement.

ABOUT YOU

• Daily coding experience, with proficiency in Python and SQL ideally

• Proven experience in credit risk or commercial strategy roles, ideally within consumer lending.

• A strategic mindset and the ability to translate complex data into clear, actionable decisions.

• A focus on delivering results that align with both commercial and customer needs.

• A collaborative, open approach and a willingness to challenge your own assumptions