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- Tasks: Lead credit strategy, manage risk, and ensure compliance in a dynamic financial environment.
- Company: Join a trusted UK financial services firm focused on innovative lending solutions for SMEs and corporates.
- Benefits: Enjoy hybrid working, competitive pay, bonuses, pensions, and career development opportunities.
- Why this job: Make a significant impact on credit risk while working in a tech-forward, growth-oriented culture.
- Qualifications: 10+ years in credit risk management with expertise in commercial lending and regulatory knowledge.
- Other info: Confidential hiring process; client details shared upon application.
The predicted salary is between 43200 - 72000 £ per year.
On behalf of our client, a rapidly growing financial services firm specialising in commercial lending and asset finance, we are seeking an experienced Head of Credit Risk & Controls to lead their credit function. This is a high-impact role where you will shape credit strategy, drive risk excellence, and ensure regulatory compliance while supporting sustainable business growth.
About Our Client: A trusted name in UK financial services, providing innovative lending solutions to SMEs and corporates. Committed to responsible finance, combining agility with robust risk management. Tech-forward approach, leveraging data and automation to enhance decision-making.
The Role: You will own and evolve the credit management & risk framework, ensuring a balance between growth and risk mitigation.
- Key Responsibilities:
- Credit Strategy & Leadership: Define and implement the credit risk appetite, policies, and controls. Lead the credit team, fostering a risk-aware culture while supporting business objectives. Present risk insights to Executives & Board, influencing high-level decisions.
- Risk Management & Controls: Oversee underwriting standards, portfolio monitoring, and early warning systems. Ensure compliance with regulatory requirements (e.g., FCA, IFRS 9). Optimise credit scoring models and decisioning tools (e.g., AI, machine learning).
- Portfolio Performance & Reporting: Monitor delinquency, defaults, and provisioning, driving corrective actions. Deliver MI & stress testing to anticipate emerging risks. Enhance collections & recovery strategies to minimise losses.
- Stakeholder Engagement: Partner with Sales, Finance & Risk teams to align credit policies with business goals. Manage relationships with external auditors, regulators, and credit bureaus.
Who We're Looking For: Proven leader in credit risk management (10+ years in financial services). Deep expertise in commercial lending, asset finance, or banking. Regulatory knowledge (FCA, Basel, IFRS 9) and credit modelling experience. Tech-savvy - comfortable with data analytics, automation, and risk systems. Strategic mindset with strong commercial acumen.
Why Apply? Shape the future of credit risk in a high-growth business. Hybrid working in Milton Keynes' thriving financial hub. Competitive package with bonus, pension, and career development. Confidential Hiring Process - Client details shared upon application.
Seniority level: Director
Employment type: Full-time
Job function: Accounting/Auditing and Finance
Head of Credit Risk & Controls employer: Insite Finance
Contact Detail:
Insite Finance Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Head of Credit Risk & Controls
✨Tip Number 1
Network with professionals in the financial services sector, especially those involved in credit risk management. Attend industry events or webinars to connect with potential colleagues and learn about the latest trends in credit strategy and regulatory compliance.
✨Tip Number 2
Familiarise yourself with the specific regulatory frameworks mentioned in the job description, such as FCA and IFRS 9. Being able to discuss these regulations confidently during interviews will demonstrate your expertise and commitment to compliance.
✨Tip Number 3
Showcase your leadership skills by preparing examples of how you've successfully led teams in the past. Highlight instances where you fostered a risk-aware culture or influenced high-level decisions, as this aligns closely with the responsibilities of the role.
✨Tip Number 4
Stay updated on the latest technologies in credit risk management, such as AI and machine learning. Being tech-savvy is crucial for this role, so consider discussing any relevant projects or tools you've used that enhance decision-making in your previous positions.
We think you need these skills to ace Head of Credit Risk & Controls
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your experience in credit risk management, particularly in commercial lending and asset finance. Use specific examples that demonstrate your leadership skills and regulatory knowledge.
Craft a Compelling Cover Letter: In your cover letter, express your passion for shaping credit strategy and driving risk excellence. Mention how your strategic mindset and tech-savvy approach can contribute to the company's goals.
Highlight Relevant Experience: When detailing your work history, focus on roles where you led credit teams or developed credit policies. Emphasise your understanding of regulatory requirements and your ability to optimise credit scoring models.
Showcase Stakeholder Engagement Skills: Demonstrate your ability to partner with various teams by providing examples of successful collaborations. Highlight any experience managing relationships with external auditors or regulators, as this is crucial for the role.
How to prepare for a job interview at Insite Finance
✨Showcase Your Leadership Experience
As a Head of Credit Risk & Controls, you'll need to demonstrate your leadership skills. Prepare examples of how you've successfully led teams in the past, particularly in credit risk management, and be ready to discuss how you foster a risk-aware culture.
✨Understand Regulatory Requirements
Familiarise yourself with key regulations such as FCA, IFRS 9, and Basel. Be prepared to discuss how you've ensured compliance in previous roles and how you would approach regulatory challenges in this new position.
✨Highlight Your Tech Savviness
This role requires a tech-forward approach. Be ready to talk about your experience with data analytics, automation, and any risk systems you've used. Discuss how these tools have enhanced decision-making in your previous roles.
✨Prepare for Stakeholder Engagement Scenarios
You'll need to engage with various stakeholders, including Sales and Finance teams. Think of examples where you've successfully aligned credit policies with business goals and be prepared to discuss your approach to managing these relationships.
