Our financial services business plays a critical role in the accessibility of the full range of our product offering to a wider range of customers than ever before. Our in-house financial services business is a key differentiator in the hugely competitive online retail market place. Our key purpose is clear: to ensure our customers get access to the best financial products available to fund their purchases in a responsible and affordable manner.
We’re the people who make sure that all Shop Direct products are fully compliant and in-line with Financial Conduct Authority (FCA) regulations and we’re highly
committed to responsible lending and treating customers fairly. In fact, over the last couple of years, we’ve been recognised for our work in this area.
As you’d expect from an operation of our size and scale, we’ve many different specialist divisions you can join. These include: insurance, underwriting, collections, fraud prevention and operational risk.
“My name is Melinda Somlai and I am the Risk Manager for the New Customer Acquisition Team. I enjoy working in the credit risk department because it gives me the opportunity to get involved in so many different projects including understanding customer behaviour at the account opening stage and improving our strategy to ensure customers receive an initial account limit which suits their affordability. We are currently integrating a new decision making system which will enable us to provide an even more personalised service for our customers. After all, they are at the heart of everything we do here at Shop Direct and we want to make sure we really do the best we can for them.”
Melinda Somlai, Risk Manager
Jonathan Ashcroft, Senior Risk Analyst