SunCulture is looking for a Head of Credit (PAYGrow) who will be accountable for the end-to-end performance of SunCulture’s PAYGrow financing portfolio. This role spans credit strategy, underwriting, portfolio risk management, collections, recoveries, and repossessions. The position ensures that PAYGrow grows responsibly and profitably, balancing commercial expansion with disciplined credit risk management, strong cash recovery, regulatory compliance, and customer protection.
Key Responsibilities
PAYGrow Credit Strategy & Portfolio Performance
Own and continuously refine the PAYGrow financing strategy across all cohorts and markets.
Evaluate portfolio performance (Old vs New loan books, payplans, cohorts) and recommend structural improvements.
Partner with Finance (CFO) to support PAYGrow funding, liquidity planning, and investor reporting.
Provide accurate, timely portfolio performance updates to internal leadership, Board, and external stakeholders.
Ensure portfolio growth aligns with risk appetite and operational capacity.
Credit Risk Management & Underwriting
Design, refine, and enforce customer credit assessment and approval frameworks.
Reduce underqualified sales and first payment defaults through improved eligibility, affordability, and scoring models.