At a Glance
- Tasks: Lead credit risk and strategy for a growing financial services business.
- Company: Dynamic financial services organisation with a collaborative culture.
- Benefits: Competitive salary, hybrid working, and direct exposure to executive leadership.
- Other info: Exciting career potential in a rapidly growing company.
- Why this job: Make a significant impact on business growth and credit strategy from day one.
- Qualifications: Experience in senior credit roles and strong leadership skills required.
The predicted salary is between 63000 - 77000 £ per year.
This is a rare opportunity for a senior credit risk leader to join a growing financial services business as Chief Credit Officer. Reporting directly to the CEO, you will take ownership of the credit function, influence business strategy, and play a key role in the organisation's continued growth.
The Company
They are a regulated financial services organisation operating across lending, asset finance, and related financial products. Combining the backing of a larger international group with the agility of a smaller UK business, they offer a collaborative environment where senior leaders can make a visible impact.
The Role
- Lead credit risk across retail and wholesale lending portfolios
- Oversee credit strategy, credit modelling, underwriting, stress testing, and residual value risk
- Act as the accountable Senior Manager for the credit function under FCA regulations
- Manage senior leaders across credit risk, strategy, modelling, and residual value teams
- Partner with executive stakeholders to balance commercial growth and risk management
- Drive governance, portfolio performance, and regulatory oversight
Your Skills & Experience
- Experience operating at Head of, Director, Chief Credit Officer, or equivalent level
- Strong motor finance experience across retail and/or wholesale portfolios
- Broad credit risk expertise including strategy, underwriting, IFRS9, and portfolio management
- Understanding of residual value risk and key market drivers
- Knowledge of FCA regulatory requirements and governance frameworks
- Proven leadership experience managing teams and senior stakeholders
What They Offer
- £130,000 - £160,000 salary plus benefits
- Hybrid working with 2 days per week in the office
- Direct exposure to the CEO and executive leadership team
- Significant ownership and influence from day one
- Strong career potential within a growing business
How to Apply
To find out more about this Chief Credit Officer opportunity, please submit your CV for a confidential discussion.
Chief Credit Officer in South Cave employer: Harnham
As a leading specialist data consultancy, we pride ourselves on fostering a collaborative and innovative work culture that empowers our Analytics Engineering Consultants to thrive. With a focus on professional development, we offer extensive growth opportunities and the chance to work on high-impact projects across diverse industries, all while enjoying the flexibility of remote work in the UK. Join us to be part of a team that values your expertise and encourages you to influence strategy and drive meaningful change for our clients.
StudySmarter Expert Advice🤫
We think this is how you could land Chief Credit Officer in South Cave
✨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 Harnham. 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 Chief Credit Officer in South Cave
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 Harnham.
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 Harnham'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 Harnham
✨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 Harnham.
✨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 Harnham 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 Harnham 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.
