At a Glance
- Tasks: Lead credit strategy and operations, shaping policy and improving processes.
- Company: Specialist bridging and development lender focused on growth.
- Benefits: Salary of £95,000-£100,000, hybrid working, private medical cover, and 25 days' leave.
- Other info: Opportunity to develop teams and enhance operational scalability.
- Why this job: Make a real impact in a senior leadership role with autonomy and influence.
- Qualifications: Significant senior credit experience and strong operational skills in lending.
The predicted salary is between 95000 - 100000 £ per year.
Senior leadership remit Ownership across the full lending lifecycle Hybrid working Direct influence on credit strategy and operations
This
Head of Credit role offers the opportunity to lead both credit and lending operations within a specialist bridging and development lender.
You will have genuine ownership of credit standards, portfolio performance and the operational capability supporting the lending lifecycle.
Head of Credit , you will have the autonomy to shape policy, improve processes and build a scalable credit function.
The role combines senior credit leadership with operational influence across underwriting, loan management and portfolio risk.
Package & Benefits
- Hybrid working.
- Private medical cover and 25 days' annual leave.
About the Company
You will join a specialist bridging and development lender operating across the North West.
The business is focused on maintaining strong credit standards while developing the systems, processes and operational capability required to support future growth.
Key Responsibilities
- Lead the assessment, structuring and approval of lending within credit policy, delegated authorities and agreed risk appetite.
- Oversee the live loan portfolio, including monitoring, exits, arrears, extensions and stressed cases, ensuring emerging risks are identified early.
- Own the lending journey from application through completion, servicing and redemption, improving accountability and handovers across Credit, Sales and Loan Management.
- Lead and develop Credit and Loan Management teams while improving controls, workflows, management information and operational scalability.
About You
- Significant senior credit experience within bridging, development finance or a closely related lending environment.
- Experience leading credit decision-making, underwriting standards and portfolio risk management.
- Strong operational experience across the lending lifecycle, including credit and loan management functions.
- #J-18808-Ljbffr
Head of Credit & Operations employer: Fintelligent
As a leading specialist lender, we pride ourselves on fostering a dynamic and inclusive work culture that empowers our employees to excel. With a strong focus on professional development, we offer extensive growth opportunities and a competitive benefits package, including generous annual leave and a robust pension scheme. Join us in a strategic leadership role where you can make a significant impact while enjoying the advantages of working in a high-growth environment dedicated to supporting SMEs and entrepreneurs.
StudySmarter Expert Advice🤫
We think this is how you could land Head of Credit & Operations
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Fintelligent. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Head of Credit & Operations
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Fintelligent.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Fintelligent's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Fintelligent
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Fintelligent.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Fintelligent will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Fintelligent employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
