Job Details

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Head of Credit Risk

London, United Kingdom, £ £ - Annual Annual, Permanent


We're looking for a candidate to this position in an exciting company.

  • All underwriting and decision science work needed to build and deploy decisioning models and logic.
  • Credit limit assignment activity and credit limit management programs
  • Setting and monitoring the credit risk control framework (e.g. early warning indicators, risk appetite etc.).
  • Provisioning, write offs and management of our P&L credit loss line
  • Ensuring we lend in a compliant and consumer centric way
  • Managing the credit and data analysts in the team, supporting them to enhance decisioning logic and systems.
  • Communicating insights relating to our lending portfolio and gaining buy-in to strategy changes from stakeholders across the business, at all levels up to and including board level
  • You understand all aspects of the credit lifecycle from decision science and underwriting through portfolio management, including collections and provisioning and all of the regulations that apply.
  • Have played a leadership role in a lending business
  • You have developed decision systems, have a great knowledge of credit reference agency products and data and have experience of setting and reporting against credit control frameworks including building and operating IFRS9 compliant provisioning models.
  • You have a deep understanding of managing UK consumer credit risk, ideally with knowledge of personal current accounts, unsecured personal loans and credit cards.
  • You understand portfolio optimisation, including redecisioning and credit limit strategy management, capital allocation and P&L income and losses modelling and stress testing.
  • You're comfortable working in a highly collaborative, diverse environment where ideas can come from all team members.
  • Whilst you may not have been analytically 'hands on' over the last couple of years you should come from an analytical background and be comfortable 'getting your hands dirty' where necessary.
  • You're excited about the future of banking and want to work with us to shape it.

Job Details

Not Specified
London, United Kingdom
£ £ - Annual Annual