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For Companies At a Glance
- Tasks: Lead the credit risk strategy and oversee the entire credit lifecycle for Retail Finance.
- Company: Join Secure Trust Bank, a trusted specialist lender in the UK since 1952.
- Benefits: Competitive salary, career growth, and a chance to make a real impact.
- Why this job: Shape the future of consumer credit while ensuring customer fairness and regulatory compliance.
- Qualifications: Proven leadership in Consumer Credit Risk and strong command of credit risk models.
- Other info: Dynamic environment that values diversity and innovation.
The predicted salary is between 72000 - 108000 Ā£ 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 lifecycleāfrom origination and inālife management to impairmentāensuring our portfolio remains robust, customerāfocused 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, dataādriven insights.
- Chair key governance forums, including Credit Committees and monthly Credit Risk meetings.
- Collaborate crossāfunctionally 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 Boardālevel stakeholders.
- A passion for continuous improvement and delivering value to both the business and our customers.
Qualifications & Experience
- Degreeālevel education or equivalent professional qualification.
- Demonstrable experience in a senior credit risk role within a regulated financial services environment.
Our Values
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. We celebrate diversity and nurture differences, believing that the best bank is built on unique talent and perspectives.
About the Company
Secure Trust Bank Group provides savings accounts and lending services to over one million customers. Our people are our biggest investment, and we offer a career that goes beyond a job ā a chance to add real value and help us constantly improve. We are committed to autonomy, innovation and recognising exceptional performance.
Logistics
Fullātime; Executive level; Finance and Sales function; Banking industry; Location: United Kingdom.
Head of Consumer Credit in Kidderminster employer: Secure Trust Bank
Contact Detail:
Secure Trust Bank Recruiting Team
StudySmarter Expert Advice š¤«
We think this is how you could land Head of Consumer Credit in Kidderminster
āØTip Number 1
Network like a pro! Get out there and connect with people in the industry. Attend events, join online forums, and donāt be shy about reaching out on LinkedIn. You never know who might have the inside scoop on job openings or can put in a good word for you.
āØTip Number 2
Prepare for interviews by researching the company and its culture. Understand Secure Trust Bank's values and how they align with your own. This will help you tailor your responses and show that you're genuinely interested in being part of their team.
āØTip Number 3
Practice your pitch! Be ready to explain your experience in consumer credit risk clearly and confidently. Highlight your leadership skills and how you've driven improvements in previous roles. We want to hear your story!
āØTip Number 4
Donāt forget to apply through our website! Itās the best way to ensure your application gets seen. Plus, it shows youāre serious about joining Secure Trust Bank and are keen to be part of our mission to deliver exceptional value to customers.
We think you need these skills to ace Head of Consumer Credit in Kidderminster
Some tips for your application š«”
Tailor Your CV: Make sure your CV is tailored to the Head of Consumer Credit role. Highlight your experience in credit risk and any relevant achievements that align with what weāre looking for. This shows us you understand the position and are genuinely interested.
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to tell us why youāre the perfect fit for this role. Share specific examples of how you've led credit risk strategies and influenced stakeholders, as this will resonate with our values.
Showcase Your Leadership Skills: Since this is a senior role, make sure to emphasise your leadership experience. We want to see how you've successfully managed teams and projects in the past, so donāt hold back on those details!
Apply Through Our Website: We encourage you to apply directly through our website. Itās the best way for us to receive your application and ensures youāre considered for the role. Plus, it gives you a chance to explore more about Secure Trust Bank!
How to prepare for a job interview at Secure Trust Bank
āØKnow Your Credit Risk Models
Make sure you brush up on your knowledge of credit risk models and scorecards. Be prepared 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.
āØUnderstand Regulatory Frameworks
Familiarise yourself with the FCA/PRA requirements and the Senior Managers & Certification Regime. Being able to articulate how these regulations impact consumer credit will show that you're not just knowledgeable but also compliant-focused.
āØEngage with Stakeholders
Think about how you can influence various stakeholders, from operational teams to Board members. Prepare examples of how you've successfully engaged with senior leadership in the past, using data-driven insights to support your arguments.
āØShow Your Passion for Improvement
Demonstrate your commitment to continuous improvement and customer value. Share specific instances where you've implemented changes that benefited both the business and customers, highlighting your proactive approach to problem-solving.
