Head Of Credit Risk (Consumer / SME)

Head of Credit Risk (Consumer / SME), London/Hybrid, 6 months, £800 – £850/day (Inside IR35)

Purpose of the role

To lead the first‑line credit risk function across SME and Consumer lending, ensuring end‑to‑end ownership of credit strategy including acquisition, underwriting, portfolio performance and decisioning architecture to deliver sustainable growth, strong risk‑adjusted returns and regulatory compliance.

Responsibilities

• Define and own the first‑line credit risk strategy across SME and Consumer lending, aligning risk appetite with growth ambitions, capital efficiency and profitability targets
• Own the roadmap for credit decisioning transformation, including next‑generation decision engines, credit risk models, customer journeys and data capabilities
• Drive innovation in decisioning through advanced analytics, automation and digital capabilities
• Own and optimise credit decisioning frameworks, including policy, scorecards, affordability models and manual underwriting approaches for acquisition and on‑going customer servicing
• Act as Senior Relationship Owner for key third‑party credit data and decisioning providers (e.g. Experian), including performance, commercials and strategic alignment
• Maintain scalable, resilient and future‑proof credit architecture and platforms
• Act as a senior leader, shaping enterprise‑wide credit strategy, product design and customer propositions as required
• Provide clear leadership across underwriting, portfolio management, modelling and credit decisioning / strategy functions
• Hold accountability for credit performance across the lifecycle: originations, account management, line management, collections and recoveries

Skills

• Strategic Credit Decisioning Risk Leadership
• End‑to‑End Credit Lifecycle Management
• Large scale Credit Decisioning transformation
• Portfolio Management & Performance Optimisation
• Deep lending product management
• Executive Leadership & Stakeholder Influence

Knowledge

• Strategic Credit Strategy, Decisioning & Transformation
• Advanced Data, Modelling & Analytics
• Portfolio Management & Performance
• Operational Delivery & Process Ownership
• Senior Vendor & External Relationship Management

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