Credit Risk Head

CREDIT RISK HEAD

A leading financial institution is seeking a Credit Risk Head to provide expert guidance and oversight for its retail risk management framework, encompassing both credit and liquidity risk dimensions. This pivotal role offers you the opportunity to shape the future of consumer lending portfolios, ensuring robust risk controls while supporting strategic business growth. You will be at the heart of decision-making, collaborating with cross-functional teams to maximise portfolio performance and safeguard the organisation’s financial stability. The position promises a supportive environment where your expertise in risk management will be valued, alongside flexible working opportunities and access to ongoing professional development.

* Take ownership of the retail risk management framework, influencing key decisions that impact the organisation’s consumer lending strategy and overall financial health.
* Enjoy a collaborative workplace culture that values inclusivity, teamwork, and continuous learning through training opportunities designed to help you grow professionally.
* Benefit from flexible working arrangements and generous pension contributions, allowing you to balance your career ambitions with personal commitments while being part of a dependable team.

What you'll do:

As Credit Risk Head, you will play a crucial role in shaping the organisation’s approach to retail credit and liquidity risk management. Your day-to-day responsibilities will involve overseeing all aspects of the credit risk lifecycle—from underwriting through portfolio monitoring—while ensuring compliance with both internal policies and external regulations. You will work collaboratively with various teams to support collection efforts, review credit limits, and drive strategic initiatives based on thorough risk appetite analysis. By providing insightful reporting and recommendations, you will empower senior leaders to make informed decisions that balance growth objectives with prudent risk controls. Your ability to foster strong inter-personal connections across departments will be key to maintaining a resilient financial position for the organisation.

* Oversee the full lifecycle of credit risk management for retail lending portfolios, ensuring alignment with organisational risk appetite and business strategy.
* Manage credit underwriting processes by enforcing compliance with internal policies, procedures, and local regulatory requirements.
* Monitor acquisition quality and portfolio performance against established benchmarks to maintain optimal risk-return profiles.
* Support Consumer Credit Operations in achieving collection targets and regularly reviewing credit limits to ensure effective risk mitigation.
* Assess and manage liquidity risk by monitoring liquidity ratios, identifying gaps, and ensuring sufficient liquid assets are available to meet financial obligations.
* Leverage results from risk appetite assessments to inform strategic business decisions, including evaluating risks associated with new initiatives and policy changes.
* Provide guidance on credit initiatives to ensure they comply with both internal standards and external regulations set by senior management.
* Collaborate closely with cross-functional teams to implement best practices in credit risk management and support market risk activities as needed.
* Develop comprehensive reports on portfolio performance, presenting findings and recommendations to senior stakeholders for informed decision-making.

What you bring:

Your background in retail banking or financial services equips you with deep expertise in credit risk management, particularly within consumer lending environments. You bring a proven ability to oversee complex underwriting processes while maintaining strict adherence to regulatory requirements. Your analytical acumen enables you to assess portfolio performance accurately, identify trends, and recommend actionable improvements. With strong inter-personal skills, you excel at building collaborative relationships across departments—ensuring that operational teams are supported in meeting their objectives. Your clear communication style allows you to present nuanced insights confidently to senior leaders. Above all, your commitment to responsible risk-taking ensures that every decision contributes positively towards organisational stability and growth.

* Extensive experience in retail banking or financial services with a focus on credit risk management across consumer lending portfolios.
* Proven track record in managing end-to-end credit underwriting processes within regulated environments.
* Strong analytical skills for assessing portfolio performance against benchmarks and identifying areas for improvement.
* Demonstrated ability to monitor liquidity ratios and manage liquidity gaps effectively within a banking context.
* Excellent understanding of local regulatory requirements related to credit initiatives and compliance standards.
* Ability to collaborate effectively with cross-functional teams, fostering an inclusive environment built on trust and shared goals.
* Exceptional communication skills for preparing detailed reports and presenting complex information clearly to senior stakeholders.
* Experience supporting operational teams in achieving collection targets while maintaining high standards of customer care.
* Capacity for strategic thinking when leveraging risk appetite results to guide business decisions on new initiatives or policy changes.

What sets this company apart:

This organisation stands out for its unwavering commitment to creating an inclusive workplace where collaboration is encouraged at every level. Employees benefit from flexible working opportunities that promote work-life balance without compromising professional ambition. The company invests heavily in training programmes designed to nurture talent and foster continuous learning—ensuring that every team member has access to resources needed for personal growth. Generous pension contributions reflect the organisation’s dedication not only to your immediate success but also your long-term security. By joining this team, you become part of a network that values dependability, knowledge-sharing, and supportive leadership—making it an ideal environment for those who thrive on connection and communal achievement.

What's next:

If you are ready to take the next step in your career journey as Credit Risk Head within a forward-thinking financial institution, we encourage you to apply now!

Apply today by clicking on the link provided.

Due to the high volume of applications we are experiencing, our team will only be in touch with you if your application is shortlisted.