Head of Credit Risk

4 weeks ago

London, United Kingdom Generation Home Full time

At Gen H, our mission is to give everyone the opportunity to become a homeowner. To achieve this, we're building a home buying process that is simple, transparent and fair.

We are on a mission to transform the housing market: We're broadening access to homeownership for aspiring buyers, simplifying the home-buying process, and promoting our customers' financial wellbeing through the smarter management of their home finances. Backed by institutional & angel investors, we're set for an exceptional 2023.

The opportunity is huge, and we are looking for people passionate about delivering fantastic customer outcomes. Working at Gen H means having high standards you set for yourself, working with urgency, and owning the outcomes of your work. We expect our people to be humble and communicate openly and honestly with one another.

And that's where you come in:
**Your mission**

We're looking for an inspiring, innovative and technically brilliant Head of Credit Risk to help shape the future of mortgage lending at Generation Home, where managing credit risk is both an art and a science. Together, we'll push the boundaries of what's possible and redefine the mortgage experience for our customers.

**Your role**

Provide effective, first-line (of defence) credit risk management

As Head of Credit Risk, you are responsible for all first-line mortgage lending activity, including credit strategy & decisioning, credit policy development, underwriting and management of first-line financial crime matters.
- Develop our front-book lending policy (criteria, valuations, responsible lending)
- Working with Product identify and implement opportunities for the automation and streamlining of lending processes.
- Portfolio management: monitoring and taking action to manage emerging credit issues
- Build and maintain excellent relationships with our funder counterparts.
- Promote best underwriting operational and process management
- Working closely with servicing develop analytically driven but customer focussed collections contact strategies.

Manage, inspire and develop a high-performing team
- Provide line-management to the Mortgage Underwriting, Credit policy and Financial crime teams.
- Build, nurture and scale a high-performing, expert team with the passion and knowledge to create the next generation of credit risk management capabilities.
- Maintain an ethos of quality, service and personal excellence within the team, create a positive learning environment, and cultivate a continuous learning and improvement culture, encouraging open communication, feedback, and knowledge-sharing among team members.
- Define and manage key performance indicators (KPIs) to effectively track and measure what great looks like for a growing credit portfolio
- Build, nurture, and maintain strong cross-functional relationships with key stakeholders from product, sales, operations, commercial, legal, and other departments to ensure seamless collaboration and alignment on business objectives.

Constantly pursue excellence
- Collaborate with cross-functional teams to develop and implement new processes, tools, and strategies that drive efficiency, enhance risk management, and support the bank's growth objectives.
- Ensure all change is perfectly communicated and understood by all stakeholders.
- Foster a culture of open communication and continuous learning by encouraging exchanging ideas and best practices to drive ongoing improvement and adaptability.
- Support the team through periods of change by informing them, providing guidance, and addressing concerns to ensure a smooth transition and maintain team morale.

**Requirements**:
You would be and excellent Head of Credit Risk at Gen H if you are:

- An accomplished and versatile manager_. As the Head of Credit Risk, you'll develop and manage the teams responsible for all first-line credit risk management activity, from underwriting to collections strategy. You'll have a great track record in building, nurturing and inspiring high-performing teams in a highly technical and regulated yet fast-paced environment.
- A strategic risk management and mortgage expert._ You'll have experience in secured credit risk management across the customer and economic lifecycle. You'll have developed lending and portfolio management strategies that use the latest advances in data, research and decisioning that support growth and the best possible customer outcomes.
- An innovator and problem solver. _Your passion for delivering on our mission in everything you do will be unwavering. You're creative, resourceful, and thrive in the face of difficulties, constantly seeking new ways to make mortgage-led credit risk management more straightforward, faster, and effective.

**What we have to offer**
- £100,000-130,000 Salary
- £1,000 annual training budget
- Private Health Care with Vitality
- Enhanced maternity leave
- Mental well-being support: access therapy and mental health sessions through Spill
- 25 days of holida

  • Head of Credit Risk

    1 day ago

    London, United Kingdom InterQuest Group Full time

    Head of Credit Risk | Neobank | London This is an exciting opportunity to join a User-centric neobank who operates internationally is looking for someone great to join them as the Head of Credit Risk in the London office. You'll work closely with the CRO, with the role will focused on setting the credit risk management fundamentals for the business. This...

  • Head of Credit Risk

    23 hours ago

    London, United Kingdom InterQuest Group Full time

    Head of Credit Risk | Neobank | London This is an exciting opportunity to join a User-centric neobank who operates internationally is looking for someone great to join them as the Head of Credit Risk in the London office. You'll work closely with the CRO, with the role will focused on setting the credit risk management fundamentals for the business. This...

  • Head of Credit Risk

    12 hours ago

    London, United Kingdom InterQuest Group Full time

    Job Description Head of Credit Risk | Neobank | London This is an exciting opportunity to join a User-centric neobank who operates internationally is looking for someone great to join them as the Head of Credit Risk in the London office. You'll work closely with the CRO, with the role will focused on setting the credit risk management fundamentals...

  • Head of Credit Risk

    1 day ago

    London, United Kingdom InterQuest Group Full time

    Head of Credit Risk | Neobank | LondonThis is an exciting opportunity to join a User-centric neobank who operates internationally is looking for someone great to join them as the Head of Credit Risk in the London office. You'll work closely with the CRO, with the role will focused on setting the credit risk management fundamentals for the business. This is a...

  • Head of Credit Risk

    18 hours ago

    London Area, United Kingdom InterQuest Group Full time

    Head of Credit Risk | Neobank | London This is an exciting opportunity to join a User-centric neobank who operates internationally is looking for someone great to join them as the Head of Credit Risk in the London office. You'll work closely with the CRO, with the role will focused on setting the credit risk management fundamentals for the business. This...

  • Head of Credit Risk

    17 hours ago

    London Area, United Kingdom InterQuest Group Full time

    Head of Credit Risk | Neobank | LondonThis is an exciting opportunity to join a User-centric neobank who operates internationally is looking for someone great to join them as the Head of Credit Risk in the London office. You'll work closely with the CRO, with the role will focused on setting the credit risk management fundamentals for the business. This is a...

  • -Head of Credit Risk

    4 weeks ago

    London, United Kingdom Lenkie Full time

    At Lenkie, our mission is to empower small businesses to achieve their ambitions. We do this by offering them a suite of dynamic lending products and powerful cash flow management tools. We have supported hundreds of small businesses in the UK with millions in funding. We are a friendly and collaborative team with a fast-paced and high-performing culture....

  • Securitisation & Financing – Credit Risk (AVP)

    4 days ago

    London, United Kingdom Paritas Recruitment - Risk Full time

    Securitisation & Financing – Credit Risk (AVP)   A leading global bank is searching for an AVP level Credit Risk professional to join their London based team.  The role would be suited to someone with Banking and /or Rating Agency experience with Securitisation exposure or Banking Securitisation Credit Risk exposure specifically with ABS, CMBS and...

  • Securitisation & Financing – Credit Risk (AVP)

    2 weeks ago

    London, United Kingdom Paritas Recruitment - Risk Full time

    Securitisation & Financing – Credit Risk (AVP)   A leading global bank is searching for an AVP level Credit Risk professional to join their London based team.  The role would be suited to someone with Banking and /or Rating Agency experience with Securitisation exposure or Banking Securitisation Credit Risk exposure specifically with ABS, CMBS and RMBS....

  • Credit Risk Analytics Manager

    20 hours ago

    London, United Kingdom Acadia Federal Credit Union Full time

    We are on a mission to liberate humanity from all the meaningless time spent managing their purchases and finances, so they can do more of what they love. Klarna was founded on a bold belief: that people are capable of achieving the extraordinary, even when faced with the seemingly impossible. Our journey has been one of continuous learning, facing...

  • Head of Market

    4 weeks ago

    London, United Kingdom Symbiotics Full time

    About the Job * Job description Lead a team of 7 specialists based in Geneva and London, overseeing credit, market and ESG risk assessment and monitoring for both core-business (financial institutions) and innovation sectors (fintech, clean energy, corporate lending, agri-business, project finance). Organize and participate in Credit Committees. ...

  • Head of Credit Risk Based in London, Glasgow

    4 weeks ago

    London, United Kingdom eFinancialCareers Full time

    **Head of Credit Risk (Insurance Investment and ALM)** Our client is a well-known consulting firm. They are looking for experienced, high-calibre, revenue-focused individual to take on a senior leadership role in their fast-growing Insurance team. **Key Responsibilities** - Support clients on Insurance investment and ALM work, with the individual expected...

  • Senior Analyst

    1 week ago

    London, United Kingdom Bank of China Full time

    Credit Management department is the second line of defence (2LoD) credit function that is responsible to prepare risk assessment reports and credit recommendations in support of existing and new business for the Bank. As a Senior Analyst - Credit Risk, your primary responsibility will be to complete the credit risk applications and perform ongoing monitoring...

  • Credit Risk Officer

    1 week ago

    London, United Kingdom Barclay Simpson Full time

    My client is an international specialist real estate finance lender and they are looking for a credit risk manager with knowledge of commercial real estate finance. Their book is a mix of residential development, hotels, industrial estates, shopping centres etc.They are looking for an experienced hire to join the team with a preference for someone who has...

  • Credit and Risk Manager

    1 month ago

    London, Greater London, United Kingdom NexusJobs Full time

    Job Description Credit and Risk Manager - City London Our Client is seeking to recruit a Credit Manager with at least 5 to 7 years experience in Credit and Risk Management. Proactively advising and consulting business departments regarding risk management issues such as credit, market, country and investment risk and negotiating with the insurer, lawyers and...

  • Credit and Risk Manager

    1 month ago

    London, United Kingdom Jas Gujral Full time

    Credit and Risk Manager – City London Our Client is seeking to recruit a Credit Manager with at least 5 to 7 years experience in Credit and Risk Management. Proactively advising and consulting business departments regarding risk management issues such as credit, market, country and investment risk and negotiating with the insurer, lawyers and insolvency...

  • Credit and Risk Manager

    1 month ago

    London, United Kingdom NexusJobs Full time

    Job Description Credit and Risk Manager - City London Our Client is seeking to recruit a Credit Manager with at least 5 to 7 years experience in Credit and Risk Management. Proactively advising and consulting business departments regarding risk management issues such as credit, market, country and investment risk and negotiating with the insurer,...

  • Credit Risk Manager

    7 days ago

    London, United Kingdom Barclay Simpson Full time

    My client is an international specialist real estate finance lender and they are looking for a credit risk manager with knowledge of commercial real estate finance. Their book is a mix of residential development, hotels, industrial estates, shopping centres etc. They are looking for an experienced hire to join the team with a preference for someone who has...

  • Credit Risk Manager

    6 days ago

    London, United Kingdom Barclay Simpson Full time

    Job DescriptionMy client is an international specialist real estate finance lender and they are looking for a credit risk manager with knowledge of commercial real estate finance. Their book is a mix of residential development, hotels, industrial estates, shopping centres etc. They are looking for an experienced hire to join the team with a preference for...

  • Credit Risk Manager

    3 days ago

    London, United Kingdom Barclay Simpson Full time

    Job Description My client is an international specialist real estate finance lender and they are looking for a credit risk manager with knowledge of commercial real estate finance. Their book is a mix of residential development, hotels, industrial estates, shopping centres etc. They are looking for an experienced hire to join the team with a preference...