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For Companies At a Glance
- Tasks: Lead and manage credit risk strategy while enabling business growth.
- Company: StrideUp is redefining Islamic financial services with a mission-driven approach.
- Benefits: Enjoy competitive salary, equity participation, 25 days holiday, and monthly socials.
- Why this job: Join a fast-growing company making a positive impact in the Muslim community.
- Qualifications: 8+ years in credit risk management, ideally in mortgage or property finance.
- Other info: Hybrid role based in Central London with a friendly startup culture.
The predicted salary is between 43200 - 72000 £ per year.
StrideUp's mission is to redefine the standard of Islamic financial services through expertise, sincerity, and a personable approach. Our vision is to enable the Muslim community to access financial solutions aligned with their values. On our path to building a digital bank, we started with property finance and have already deployed hundreds of millions in financing, supporting thousands of people in their financial goals.
We are looking for a Head of Credit Risk to lead and manage our credit risk strategy, ensuring we operate within a well-defined risk appetite while enabling business growth. This is an exciting opportunity to join a fast-growing, mission-driven company at the forefront of Islamic financial services. You will play a critical role in managing risk across our Home Purchase Plan (HPP) and Buy-to-Let (BTL) products, balancing growth with prudent risk management. You will also be a key advisor to the CEO and Board, ensuring credit decisions align with our strategic objectives.
You Are
- A Risk Leader: You have a proven track record in credit risk leadership within financial services, ideally in mortgage or property finance.
- Analytical and Data-Driven: You use data to drive decision-making and continuously monitor portfolio performance.
- Strategic and Detail-Oriented: You can set the big-picture risk strategy while ensuring the fine details of credit risk management are well-executed.
- Collaborative: You work effectively across teams, aligning risk management with product, finance, and operations.
- Mission-Driven: You are passionate about ethical and responsible financing and connect with StrideUp's mission.
What You'll Do
- Develop and Execute a Credit Risk Strategy: Define and implement policies to manage credit risk effectively while enabling business growth.
- Manage the Credit Lifecycle: Oversee underwriting, affordability assessments, and risk monitoring frameworks to ensure sound lending decisions.
- Portfolio Oversight: Conduct regular reviews, stress testing, and scenario analysis to ensure portfolio health and compliance.
- Stakeholder Collaboration: Work closely with the CEO, Board, and internal teams to align risk strategy with business objectives.
- Reporting and Analytics: Develop key risk indicators, track portfolio performance, and provide data-driven insights to inform strategy.
- Team Leadership: Build and mentor a high-performing credit risk team, fostering a culture of accountability and excellence.
- Customer-Centric Risk Management: Ensure financing decisions align with customer affordability and long-term financial well-being.
Requirements
- 8+ years of experience in credit risk management, with expertise in mortgage and property finance.
- Strong knowledge of credit risk frameworks, underwriting standards, and affordability models.
- Experience managing large loan portfolios and improving credit performance.
- Expertise in stress testing, scenario analysis, and regulatory compliance.
- Proven ability to collaborate with senior stakeholders, including executive teams and regulators.
- Leadership experience, with a track record of developing and managing high-performing teams.
- Strong analytical skills with a data-driven approach to risk management.
Benefits
- Salary: Competitive, based on experience.
- Equity participation.
- 25 days annual holiday.
- Annual L&D budget.
- 3% pension contribution.
- Monthly socials.
- Central London location (hybrid role with an expectation of at least 3 days in the office).
- Friendly and informal startup environment with a focus on performance and impact.
Contact Detail:
StrideUp Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Head of Credit Risk
✨Tip Number 1
Familiarise yourself with StrideUp's mission and values. Understanding their commitment to ethical financing will help you align your experience and passion for responsible lending during discussions.
✨Tip Number 2
Prepare to discuss your previous experience in credit risk management, particularly in mortgage or property finance. Highlight specific examples where you've successfully balanced growth with risk management.
✨Tip Number 3
Showcase your analytical skills by being ready to discuss how you've used data to drive decision-making in past roles. Be prepared to share insights on portfolio performance and risk assessment techniques you've implemented.
✨Tip Number 4
Emphasise your collaborative approach by preparing examples of how you've worked with senior stakeholders. Discuss how you’ve aligned risk strategies with broader business objectives to demonstrate your strategic mindset.
We think you need these skills to ace Head of Credit Risk
Some tips for your application 🫡
Understand the Company Mission: Before applying, take some time to understand StrideUp's mission and values. Highlight how your experience and passion for ethical financing align with their goals in your application.
Tailor Your CV: Make sure your CV reflects your relevant experience in credit risk management, particularly in mortgage or property finance. Use specific examples that demonstrate your analytical skills and leadership capabilities.
Craft a Compelling Cover Letter: Write a cover letter that not only outlines your qualifications but also expresses your enthusiasm for the role. Discuss how you can contribute to StrideUp's growth while managing credit risk effectively.
Showcase Data-Driven Achievements: In your application, include quantifiable achievements that showcase your ability to use data for decision-making. This could be improvements in portfolio performance or successful implementation of risk strategies.
How to prepare for a job interview at StrideUp
✨Understand StrideUp's Mission
Before the interview, make sure you fully grasp StrideUp's mission to redefine Islamic financial services. Be prepared to discuss how your values align with theirs and how you can contribute to their goal of providing ethical financing solutions.
✨Showcase Your Credit Risk Expertise
Highlight your experience in credit risk management, particularly in mortgage or property finance. Be ready to provide specific examples of how you've successfully managed credit risk strategies and improved portfolio performance in previous roles.
✨Prepare for Data-Driven Discussions
Since the role requires an analytical and data-driven approach, come equipped with insights from your past experiences. Discuss how you've used data to inform decision-making and monitor portfolio health, as well as any relevant metrics that demonstrate your impact.
✨Emphasise Collaboration Skills
As a Head of Credit Risk, you'll need to work closely with various teams. Prepare examples of how you've effectively collaborated with stakeholders, including executive teams and regulators, to align risk management with business objectives.
