Credit Strategy Director

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In the role, you will be responsible for designing, implementing, and evolving a data-driven credit and fraud risk strategy. You will drive improved approval rates, efficient credit decisioning, and balanced credit risk outcomes while supporting broader UK, Europe and AZN regionz business growth. You will report directly to the VP Risk UK, Europe & ANZ , with a direct reporting line to Phil Parry, and will work closely with cross-functional stakeholders including Sales, Product, Operations, Data Analytics, and Credit teams. What you'll be doing How We Work As a Credit Strategy Director, you will be expected to work in a hybrid environment, with a requirement to be in the office three days per week. Corpay will set you up for success by providing: • An assigned workspace in the London office • Company-issued equipment • Access to relevant systems and tools to support strategic and analytical work Key Responsibilities High-Line Pass Rate Growth (Primary Mandate) • Own the strategy to improve approval rates for very high credit lines, identifying friction points, decline drivers, and "false negatives." • Lead policy and line-assignment strategy reviews designed to deliver pass-rate uplift (targeting measurable uplift consistent with current credit strategy ambitions). • Design and implement test-and-learn strategies (champion/challenger), including segmented underwriting paths for high-line applicants. Credit Policy, Decisioning & Exception Governance • Define underwriting policies and escalation paths for high-line decisions (e.g., documentation standards, trade/financial requirements, approvals matrix, exception controls). • Build structured exception frameworks that enable revenue-protecting approvals without eroding credit quality. • Partner with Credit Operations to standardize decisioning, reduce manual handling, and improve consistency. Data, Models & Strategy Tooling • Partner with Analytics/Data Science to deliver differentiated, data-driven decision engine for complex, high-value B2B clients • Leverage bureau and alternative data sources; define requirements for new signals that improve high-line differentiation. • Establish "credit strategy performance reporting" (pass rate, approval time, loss metrics, line utilization, post-approval outcomes). Automation & Operational Enablement • Drive decisioning efficiency through workflow automation and operational tooling, reducing manual monitoring and enabling faster high-line decisions. • Collaborate with Ops/Transformation on initiatives that accelerate decisioning and strengthen controls.Cross-Functional Leadership • Act as the senior credit strategy partner to Corpay Complete Product • Align credit policy with growth goals, implementation timelines, and client experience. • Provide executive-ready insights and recommendations on strategy changes, risk trade-offs, and performance outcomes. Success Measures (KPIs) • High-line approval / pass rate uplift (overall + by segment/industry/channel) • Time-to-decision for high-line applications and line increases • Quality outcomes: delinquency/default rates, first-payment default, loss rate, bad debt, charge-offs (high-line cohorts) • Override/exception rate and exception performance tracking • Automation impact: reduction in manual touches, rework, and cycle times Qualifications and Skills • 8-12+ years in credit strategy, underwriting, risk, or portfolio management (B2B preferred; payments/AP automation/fintech a plus) • Demonstrated success improving approval rates while maintaining (or improving) portfolio performance-ideally with experience in high-limit underwriting • Strong quantitative and analytical skills (policy analytics, segmentation, cohort analysis, experimentation) • Experience partnering with data science/modelling teams and using bureau/third-party data • Proven cross-functional leadership with Product, Ops, Sales, and Compliance stakeholders Preferred Qualifications • Experience building/owning underwriting policy in a scaled decisioning environment • Familiarity with automation initiatives that improve decisioning throughput and monitoring (e.g., workflow tools, decision engines) • Exposure to fraud/identity controls that intersect credit outcomes • Experience designing governance for exceptions and escalations for large exposures Competencies • Strategic and structured problem solving; comfort balancing growth and risk • Strong stakeholder management and ability to drive change without direct authority • Bias to action with disciplined measurement and controls Benefits and Perks • 25 days per annum + 8 bank holidays • Option to buy or sell up to 5 days annually during the benefits enrollment window • Employee contribution of 3% matched with 5% from Corpay • Provided by Vitality with no excess (Corpay covers £250 excess) • Access to flexible discounts, supermarket savings, and more • Complimentary access to thousands of online courses • Volunteering days and engagement in fun company-wide contests and initiativesOur Company & Purpose Corpay is a global leader in business payments, laser-focused on developing smarter ways for businesses to pay their expenses. Since 2000, Corpay has developed innovative digital solutions that help businesses better track, manage, and pay their expenses. Today, Corpay is an S&P 500 company with hundreds of thousands of customers using our products in over 100 countries About Corpay Corpay is a global technology organisation that is leading the future of commercial payments with a culture of innovation that drives us to constantly create new and better ways