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- Tasks: Lead credit risk strategies and oversee the customer journey from application to repayment.
- Company: Join a social lender making a real difference by providing loans to low-income households across the UK.
- Benefits: Enjoy health plans, income protection, life insurance, retail discounts, and flexible working options.
- Why this job: Make a meaningful impact by helping families access essential items through fair lending practices.
- Qualifications: Senior-level experience in credit risk or lending, with a passion for financial inclusion.
- Other info: This role offers a chance to shape the future of ethical lending while working closely with the CEO.
The predicted salary is between 68000 - 72000 £ per year.
Chief Credit Risk Officer (CRO) | Help build a fairer financial future
Skillful West Midlands, England, United Kingdom
Chief Credit Risk Officer (CRO) | Help build a fairer financial future
Skillful West Midlands, England, United Kingdom
2 days ago Be among the first 25 applicants
This range is provided by Skillful. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.
Base pay range
Direct message the job poster from Skillful
We love all things Risk, Analytics and Data
Location: Coventry, Hybrid (8 office days per month)
Salary: £85,000 to £90,000 depending on experience
Benefits: Health plan, income protection, life insurance, retail discounts, flexible working
Right, firstly, let’s address the elephant in the JD – the salary.
We know this might come in a little below some commercial roles at this level but this isn’t your typical lender, and this is one of the most meaningful roles we’ve worked on.
It’s a senior leadership position at a social lender who are doing truly brilliant work. They’re changing lives through better lending and since launching, they’ve provided over 375,000 loans to low-income households across the UK, helping families buy essential items when traditional credit simply isn’t an option. Their model has already delivered more than £1bn in social value, and they’re just getting started.
Now, they’re looking for a new Chief Credit Risk Officer to help shape the next phase of that journey.
This is a strategic, high-impact role that covers credit risk, underwriting and collections. You’ll oversee the full customer journey from application through to repayment or closure, and take ownership of the loan book’s quality and profitability. You’ll be scaling what works, improving what doesn’t, and making sure risk is managed in a way that’s smart, ethical and commercially sound.
As part of the senior leadership team, you’ll be the voice of the loan book both inside and outside the business. You’ll lead the Customer Experience team, work closely with their Credit Risk Analyst and external partners, and report directly to the CEO. You’ll also play a big part in helping them scale two of their core products while phasing out a third, which means a shift in product mix and credit exposure that needs careful, confident management.
You’ll need a strong background in credit risk, lending or banking, ideally with experience in sub-prime or financial inclusion. But just as importantly, you’ll care deeply about what this organisation stands for and want to use your skills to build something fairer.
So, if you have:
- Senior-level experience in credit risk, lending or collections
- A strategic mindset and the ability to lead change while scaling impact
- Strong data and risk modelling knowledge, including scorecard development
- A solid understanding of regulatory requirements and how to build policies that support growth
- A real belief in using credit as a force for good
And can:
- Lead lending, collections and credit risk strategies that balance mission with margin
- Manage teams, data and third parties to deliver better outcomes for customers
- Shape credit policies that are robust, scalable and aligned with regulation
- Be the go-to on credit performance at board level and with investors
- Champion innovation and help bring in new ideas and products in the right way
Then we’d love to hear from you – and so will they!
This is a role with real purpose. One where you’ll go home each day knowing the work you do has made someone’s life just that little bit easier.
If that sounds like the kind of challenge you’re after, drop us a message and we’ll tell you more.
Seniority level
-
Seniority level
Director
Employment type
-
Employment type
Full-time
Job function
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Job function
Accounting/Auditing and Finance
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Industries
Financial Services and Banking
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Chief Credit Risk Officer (CRO) | Help build a fairer financial future employer: Skillful
Contact Detail:
Skillful Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Chief Credit Risk Officer (CRO) | Help build a fairer financial future
✨Tip Number 1
Network with professionals in the financial services and banking sector, especially those involved in credit risk and lending. Attend industry events or webinars to connect with potential colleagues and learn more about the company culture at Skillful.
✨Tip Number 2
Research the latest trends in credit risk management and financial inclusion. Being well-versed in current challenges and innovations will help you demonstrate your strategic mindset during discussions with the hiring team.
✨Tip Number 3
Prepare to discuss your previous experiences in leading teams and managing credit policies. Highlight specific examples where you've balanced mission-driven goals with commercial success, as this aligns closely with Skillful's values.
✨Tip Number 4
Familiarise yourself with the regulatory landscape affecting sub-prime lending and financial inclusion. Showing a solid understanding of these regulations will position you as a knowledgeable candidate who can navigate compliance effectively.
We think you need these skills to ace Chief Credit Risk Officer (CRO) | Help build a fairer financial future
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your senior-level experience in credit risk, lending, or collections. Use specific examples that demonstrate your strategic mindset and ability to lead change while scaling impact.
Craft a Compelling Cover Letter: In your cover letter, express your passion for using credit as a force for good. Discuss how your background aligns with the organisation's mission and how you can contribute to building a fairer financial future.
Highlight Relevant Skills: Emphasise your strong data and risk modelling knowledge, including any experience with scorecard development. Mention your understanding of regulatory requirements and how you've built policies that support growth.
Showcase Leadership Experience: Detail your experience managing teams, data, and third parties to deliver better outcomes for customers. Provide examples of how you've championed innovation and brought new ideas and products to fruition.
How to prepare for a job interview at Skillful
✨Understand the Mission
Before your interview, take some time to really understand the organisation's mission and values. They are looking for someone who cares about building a fairer financial future, so be prepared to discuss how your personal values align with theirs.
✨Showcase Your Strategic Mindset
As a Chief Credit Risk Officer, you'll need to demonstrate your ability to think strategically. Prepare examples from your past experience where you've successfully led change or scaled impact in credit risk or lending.
✨Highlight Data Proficiency
This role requires strong data and risk modelling knowledge. Be ready to discuss your experience with scorecard development and how you've used data to inform credit policies and decisions in previous roles.
✨Prepare for Ethical Discussions
Given the nature of the role, expect questions around ethical lending practices and how you can balance mission with margin. Think about how you've championed innovation while ensuring compliance with regulatory requirements in your past positions.
