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For Companies At a Glance
- Tasks: Lead credit risk strategy and decisioning for a fast-growing financial services company.
- Company: Dynamic consumer group with a strong digital presence and ambitious growth plans.
- Benefits: Competitive salary, leadership opportunities, and a chance to shape the future of finance.
- Why this job: Make a real impact on credit risk strategy in a fast-paced, innovative environment.
- Qualifications: Proven experience in credit risk leadership and strong analytical skills.
- Other info: Join a diverse team committed to inclusivity and professional growth.
The predicted salary is between 43200 - 72000 £ per year.
A high-growth, digitally led consumer group with a significant online footprint and an expanding financial services proposition is looking to appoint a Head of Credit Risk & Platforms. This is a senior leadership role with ownership of credit risk strategy, decisioning frameworks and the platforms that underpin a fast-scaling customer finance offering. The role sits at the intersection of risk, data, technology and product, and will play a critical part in shaping the next phase of growth.
The Role
You will take full responsibility for defining and leading the credit risk strategy across the customer lifecycle, ensuring robust decisioning, strong portfolio performance and regulatory compliance, while enabling commercial growth. Key responsibilities include:
- Owning and evolving the end-to-end credit risk strategy
- Leading credit decisioning across acquisition, account management and collections
- Oversight of credit risk platforms, tools and data integrations
- Developing, implementing and governing credit policies and models
- Monitoring portfolio performance, credit quality and risk metrics
- Ensuring strong governance and compliance with UK regulatory requirements
- Working closely with Product, Technology, Operations and Customer Experience teams
- Managing third-party vendors and technology partners
- Building, developing and leading a high-performing credit risk function
About You
You will be an experienced credit risk leader with a strong track record in consumer finance or financial services, comfortable operating at scale in fast-moving environments. Key requirements:
- Proven senior-level experience in credit risk leadership
- Deep understanding of underwriting, affordability and credit decisioning
- Hands-on experience with credit risk platforms and decisioning systems
- Strong knowledge of UK consumer credit regulation
- Highly analytical with the ability to translate data into clear decisions
- Confident cross-functional operator with strong stakeholder management skills
- Experienced people leader who can build and motivate teams
Why Join?
This is a rare opportunity to join a business at a pivotal point in its growth journey, with genuine influence over strategy, technology and outcomes. The environment is ambitious, fast-paced and delivery focused, offering real scope to shape a market-leading financial services proposition.
Head of Credit Risk & Platforms in Warrington employer: Zachary Daniels
Contact Detail:
Zachary Daniels Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Head of Credit Risk & Platforms in Warrington
✨Tip Number 1
Network like a pro! Reach out to your connections in the financial services sector and let them know you're on the lookout for opportunities. You never know who might have the inside scoop on a role that’s perfect for you.
✨Tip Number 2
Prepare for those interviews by brushing up on your knowledge of credit risk strategies and decisioning frameworks. Be ready to discuss how you can lead a high-performing team and drive portfolio performance – they’ll want to see your expertise in action!
✨Tip Number 3
Don’t just apply anywhere; focus on companies that align with your values and career goals. Use our website to find roles that excite you, and tailor your approach to show why you’re the best fit for their team.
✨Tip Number 4
Follow up after interviews! A quick thank-you email can go a long way in keeping you top of mind. Share a brief insight or idea related to the discussion to reinforce your interest and expertise.
We think you need these skills to ace Head of Credit Risk & Platforms in Warrington
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Head of Credit Risk & Platforms role. Highlight your experience in credit risk leadership and any relevant achievements that align with the job description. We want to see how you can bring value to our team!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're the perfect fit for this role. Share your passion for consumer finance and how your skills can help shape our credit risk strategy. Remember, we love a good story!
Showcase Your Analytical Skills: Since this role requires a strong analytical mindset, make sure to include examples of how you've used data to drive decisions in your previous roles. We’re keen to see how you translate complex data into actionable insights!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you don’t miss out on any important updates. Plus, we love seeing applications come through our own channels!
How to prepare for a job interview at Zachary Daniels
✨Know Your Credit Risk Inside Out
Make sure you brush up on your knowledge of credit risk strategies and decisioning frameworks. Be prepared to discuss how you've successfully implemented these in previous roles, as well as any specific platforms or tools you've used.
✨Showcase Your Analytical Skills
Since this role requires a strong analytical mindset, come ready with examples of how you've translated data into actionable decisions. Think about metrics you've monitored and how they impacted portfolio performance.
✨Demonstrate Cross-Functional Collaboration
This position involves working closely with various teams like Product, Technology, and Operations. Prepare to share experiences where you've effectively collaborated across departments to achieve common goals.
✨Prepare for Regulatory Questions
Given the importance of compliance in this role, be ready to discuss your understanding of UK consumer credit regulations. Highlight any experience you have in ensuring governance and compliance in your past positions.
