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Base pay range
I am working exclusively on an exciting opportunity for a Head of Retail Credit & Credit Risk Governance to join a forward-thinking financial services business.
The Role:
As a key part of the Credit Risk Function, you’ll be responsible for overseeing credit risk decision-making, policy development, and governance across the retail lending portfolio, including mortgages (Residential & BTL), unsecured personal loans, and motor finance. Leading a high-performing team, you’ll ensure credit risk frameworks, policies, and lending decisions align with business objectives and regulatory requirements.
Key Responsibilities:
* Leadership & Strategy – Manage and develop a team, ensuring effective resource deployment and high performance. Provide strategic insights and challenge business growth plans.
* Credit Sanctioning & Risk Oversight – Oversee credit risk sanctioning, holding a personal lending authority and chairing the Credit Approvals Committee (CAC). Ensure robust credit analysis and risk monitoring.
* Portfolio & Performance Management – Monitor portfolio health, identify emerging risks, and drive continuous improvement in risk management processes.
* Governance & Policy Development – Own and evolve credit risk policies, ensuring compliance with regulatory requirements such as FCA (MCOB, COCON). Represent Credit Risk in key risk committees.
* Stakeholder Engagement – Work closely with senior leadership, risk teams, and external stakeholders to align risk strategy with business goals.
What We’re Looking For:
* Extensive experience in credit risk leadership within financial services, ideally covering mortgage lending, personal loans, or motor finance.
* Deep knowledge of credit risk frameworks, policy governance, and regulatory requirements.
* Strong commercial acumen with the ability to balance risk and business growth.
* Excellent leadership, communication, and stakeholder management skills. Ability to challenge, influence, and drive strategic decision-making.
This is a high-impact, senior leadership role where you’ll have the opportunity to shape the future of retail credit risk within a growing, purpose-driven organisation.
**PLEASE NOTE THIS A VERY SPECIFIC ROLE SO YOU MUST HAVE WORKED IN A RETAIL FOCUSED CREDIT RISK LEADERSHIP ROLE TO BE CONSIDERED**
**PLEASE ALSO NOTE YOU MUST HAVE THE RIGHT TO WORK IN THE UK WITHOUT VISA SPONSORSHIP**
Seniority level
* Mid-Senior level
Employment type
* Full-time
Job function
* Finance
* Industries: Banking and Financial Services
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