Zable is the fastest growing credit card in the UK and is revolutionising the credit card industry by making financial tools accessible, intuitive, and empowering. Whether they're building their credit score or looking to save money through refinancing or market-leading offers, we help customers meet their spending and borrowing needs sustainably.

We’re looking for an analytical, commercially-minded Associate Director to own our prime lending strategy and help us scale it fast. You'll own how we price, market and grow our prime business, build and lead a high-calibre analytics team, and put the customer at the heart of every decision.

You’ll operate in a fast-paced environment where ideas matter more than hierarchy, and execution beats bureaucracy. Your work will directly shape who we serve, how we grow, and how we deliver sustainable value.

Your impact

• Own the prime strategy & economics: Set the vision and roadmap for prime, define the KPIs that matter and own the targets for growth, balances and risk-adjusted returns. Track the portfolio at a granular sub-segment level with Credit Risk, and act fast when things move off plan. Relentless drive to grow the product sustainably, with the energy to bring others with you.

• Drive pricing & promotions: Own APRs, promotional offers (balance transfer, purchase, etc.), cashback, and fees. Use experimentation and scenario modelling to find the right balance of customer value, growth and profitability, with fair value under Consumer Duty built in.

• Model-driven strategy: Partner with Data Science to bring advanced models into pricing and acquisition decisions, turning predictive insight into measurable commercial results.

• Fuel growth: Partner with Growth to win prime customers across all channels. Build deep insight into campaign and funnel performance, and keep finding ways to improve cost and conversion.

• Stay ahead of the market: Know prime customers and competitors inside out, working with Product to keep our proposition sharp and adapting the product to meet customer needs.

• Influence & execution: Drive decisions with the senior leadership team through clear, concise, data-backed proposals. Value the strength of ideas over ego or hierarchy, and roll up your sleeves to turn strategy into action. Take ownership, solve problems and make sure things get done.

• Build & lead an exceptional team: Hire and lead an exceptional team, from Analyst through to Senior Manager. Build a culture where people challenge the status quo, collaborate across teams, act quickly and push for better outcomes. Use AI to move faster, deepen analysis and raise the bar on what the team can deliver.

Your experience

• 8+ years in pricing, strategy, analytics or commercial roles within unsecured lending

• 5+ years leading analytical teams, ideally including managers

• Proven track record of owning and growing a portfolio, product or P&L

• Deep understanding of pricing, credit risk and lending unit economics

• Strong analytical skills, ideally SQL and Python

• AI-first mindset, radically increasing the pace at which ideas can be sized, tested and implemented

• Proven ability to influence senior leaders and inspire teams to deliver ambitious outcomes