At a Glance
- Tasks: Lead credit risk strategy for SME and Consumer lending, ensuring sustainable growth and compliance.
- Company: Dynamic financial institution with a focus on innovation and growth.
- Benefits: Competitive daily rate, hybrid working, and opportunities for professional development.
- Other info: Join a forward-thinking team with a commitment to excellence and innovation.
- Why this job: Shape the future of credit risk and drive impactful decision-making in a fast-paced environment.
- Qualifications: Extensive experience in credit risk management and strong leadership skills.
The predicted salary is between 60000 - 70089 £ per year.
To lead the first‑line credit risk function across SME and Consumer lending, ensuring end‑to‑end ownership of credit strategy including acquisition, underwriting, portfolio performance and decisioning architecture to deliver sustainable growth, strong risk‑adjusted returns and regulatory compliance.
Responsibilities
- Define and own the first‑line credit risk strategy across SME and Consumer lending, aligning risk appetite with growth ambitions, capital efficiency and profitability targets.
- Own the roadmap for credit decisioning transformation, including next‑generation decision engines, credit risk models, customer journeys and data capabilities.
- Drive innovation in decisioning through advanced analytics, automation and digital capabilities.
- Own and optimise credit decisioning frameworks, including policy, scorecards, affordability models and manual underwriting approaches for acquisition and on‑going customer servicing.
- Act as Senior Relationship Owner for key third‑party credit data and decisioning providers (e.g. Experian), including performance, commercials and strategic alignment.
- Maintain scalable, resilient and future‑proof credit architecture and platforms.
- Act as a senior leader, shaping enterprise‑wide credit strategy, product design and customer propositions as required.
- Provide clear leadership across underwriting, portfolio management, modelling and credit decisioning / strategy functions.
- Hold accountability for credit performance across the lifecycle: originations.
Head Of Credit Risk (Consumer / SME) in London employer: Norton Blake
Join a leading enterprise organisation in West London that values innovation and collaboration, offering a dynamic work culture where your expertise as a Power Platform Architect will directly influence the future of digital transformation. With a strong focus on employee growth, you will have access to continuous learning opportunities and the chance to work alongside senior stakeholders in a hybrid environment, ensuring a balanced work-life experience. This role not only allows you to shape best practices but also positions you at the forefront of cutting-edge Microsoft solutions, making it an exciting and rewarding place to advance your career.
