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- Tasks: Lead the credit risk strategy and oversee the entire credit lifecycle for Retail Finance.
- Company: Join Secure Trust Bank Group, a diverse and award-winning bank with a strong team culture.
- Benefits: Competitive salary, career development opportunities, and a supportive work environment.
- Why this job: Make a real impact in consumer credit while shaping innovative risk strategies.
- Qualifications: Proven leadership in Consumer Credit Risk and strong understanding of regulatory frameworks.
- Other info: Embrace diversity and be part of a team that values unique perspectives.
The predicted salary is between 48000 - 72000 £ per year.
Secure Trust Bank Group is seeking a dynamic and experienced Head of Consumer Credit to lead the credit risk strategy for our Retail Finance business. This is a pivotal role, responsible for overseeing the end-to-end credit lifecycle—from origination and in-life management to impairment—ensuring our portfolio remains robust, customer-focused, and commercially sound.
What You’ll Be Doing
- Lead and shape the credit risk profile across our Retail Finance portfolio, ensuring alignment with our Risk and Capital parameters.
- Own and develop credit risk models and scorecards, driving continuous improvement and innovation.
- Design and oversee risk strategies that balance commercial success with customer fairness and regulatory compliance.
- Engage and influence senior stakeholders, including Executive Committee and Board members, with clear, data-driven insights.
- Chair key governance forums, including Credit Committees and monthly Credit Risk meetings.
- Collaborate cross-functionally with Finance, Compliance, Marketing, and other Group functions to deliver strategic goals.
- Represent STB externally, building strong relationships with third parties and regulators.
What We’re Looking For
- Proven leadership in Consumer Credit Risk, with expertise in personal finance and revolving credit.
- Strong command of credit risk models, scorecards, and IFRS9.
- Deep understanding of regulatory frameworks, including FCA/PRA requirements and the Senior Managers & Certification Regime.
- Ability to influence at all levels, from operational teams to Board-level stakeholders.
- A passion for continuous improvement and delivering value to both the business and our customers.
Qualifications & Experience
- Degree-level education or equivalent professional qualification.
- Demonstrable experience in a senior credit risk role within a regulated financial services environment.
Everyone is different. Everyone is valued. As part of our vision to become the most trusted specialist lender in the UK, we’ve been helping customers and businesses fulfil their ambitions since 1952. In that time, we’ve learned that we’re more than the sum of our parts. We’re a strong Group because of our people and our strengths; specialist, expert, ambitious and also diverse. All of our people are different and this is something we celebrate. Every one of our employees brings unique talent, ability and perspective to their role. That’s why Secure Trust Bank Group nurtures differences. We understand that we perform better because we’re not cast from the same mould. We actively embrace and support diversity, work with leading industry bodies and promote initiatives that reinforce our philosophy of giving you the freedom to be who you are. We’re an award-winning bank providing savings accounts and lending services to over one million customers. We’re Secure Trust Bank Group. We embrace difference.
Head of Consumer Credit employer: Secure Trust Bank PLC.
Contact Detail:
Secure Trust Bank PLC. Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Head of Consumer Credit
✨Tip Number 1
Network like a pro! Reach out to your connections in the finance sector, especially those who have experience in consumer credit. A friendly chat can lead to insider info about job openings or even a referral.
✨Tip Number 2
Prepare for interviews by brushing up on your knowledge of credit risk models and regulatory frameworks. We want you to be able to discuss these topics confidently, showing that you're not just a candidate but a thought leader in the field.
✨Tip Number 3
Don’t underestimate the power of follow-ups! After an interview, drop a quick thank-you email to express your appreciation. It keeps you fresh in their minds and shows your enthusiasm for the role.
✨Tip Number 4
Apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows you’re genuinely interested in being part of the Secure Trust Bank Group family.
We think you need these skills to ace Head of Consumer Credit
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Head of Consumer Credit role. Highlight your experience in credit risk and any leadership roles you've held. We want to see how your background aligns with our needs!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about consumer credit and how you can contribute to our mission at Secure Trust Bank Group. Keep it engaging and relevant!
Showcase Your Achievements: Don’t just list your responsibilities; showcase your achievements! Use data and examples to demonstrate how you've improved credit risk strategies or influenced stakeholders in previous roles. We love numbers that tell a story!
Apply Through Our Website: We encourage you to apply through our website for a smoother process. It’s the best way for us to receive your application and ensures you’re considered for the role. Let’s get started on this journey together!
How to prepare for a job interview at Secure Trust Bank PLC.
✨Know Your Credit Risk Models
Make sure you brush up on your knowledge of credit risk models and scorecards. Be ready to discuss how you've used these tools in previous roles, and think about examples where you've driven improvements or innovations in this area.
✨Understand Regulatory Frameworks
Familiarise yourself with the FCA/PRA requirements and the Senior Managers & Certification Regime. Prepare to explain how you've navigated these regulations in past positions and how you ensure compliance while balancing commercial success.
✨Engage with Stakeholders
Think about how you can demonstrate your ability to influence senior stakeholders. Prepare examples of how you've effectively communicated data-driven insights to executive teams and how you've chaired governance forums in the past.
✨Show Your Passion for Improvement
Be ready to share your passion for continuous improvement. Think of specific instances where you've delivered value to both the business and customers, and how you plan to bring that same energy to Secure Trust Bank Group.
