Location: Central London - hybrid (3 days in office)
This is a super exciting, growing lending business that's reached the point where credit risk needs a dedicated leader of its own, rather than being shared across other roles, having grown 5x since its recent funding and now on track to 10x! You'll be shaping the function from the ground up, with real scope to build the policy, the team and the way decisions get made, rather than inheriting something already in place. The role sits at senior leadership level, working closely with the CEO and COO on how the business balances growth with risk.
You'll set the credit risk strategy and underwriting approach, decide the risk appetite and lending criteria, and keep across how the book is performing, so problems get caught early rather than after the fact. You'll also shape how credit decisions get made day to day, working with Product and Data to sharpen the models behind them, and lead the credit team itself, staying close enough to the detail to get hands-on with individual decisions when needed.
You won't be doing this alone. You'll work closely with Commercial on who the business lends to and how, with Product and Technology on the lending products themselves, and with the teams who see what happens after a loan is written, feeding that back into how the next one gets underwritten.
So, if you have experience in:
- Credit risk leadership within lending
- A strong grasp of credit risk principles, methodologies and regulatory requirements
- Building and running credit risk strategy in a fast-moving environment
- Leading and developing a team of credit risk professionals
- Working hands-on with data rather than only reviewing reports
- A real interest in lending and what technology can do for it
And can:
- Balance credit performance against growth, rather than optimising for one at the expense of the other
- Read complex data and turn it into decisions, not just reports
- Explain a credit concept clearly to someone outside the credit team
- Build a team culture that blends sharp credit judgement with analytical rigour and curiosity
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Head of Credit Risk (SME Lending) | £110k-£130k + Equity | 3 days in London employer: Skillful
As a leading InsurTech in the UK short-term motor insurance market, this company offers a dynamic work environment that feels like a start-up, fostering real ownership and collaboration among a small, dedicated team. With generous benefits including up to 22 'work from anywhere' days, a strong focus on employee growth through dedicated training budgets, and a commitment to work-life balance, this role as a Lead Portfolio Analyst provides an opportunity to make a tangible impact on underwriting decisions while enjoying a supportive and innovative culture.
