Credit Risk Strategist

2 days ago


Chester, Cheshire, United Kingdom TOGETHER FINANCIAL SERVICES LIMITED Full time
Job Overview

At Together Financial Services Limited, we are seeking a highly skilled Head of Credit Risk to join our team. This exciting role offers the opportunity to lead the second line management of credit risk for the group.

You will be responsible for overseeing, challenging, and assuring the first line credit risk management and reporting for credit risk across all products. You will also own and develop credit risk policies and related standards for all group lending products.

In this role, you will work closely with the Executive and Board to provide oversight and assurance that credit risk is being managed within risk appetite. You will also develop and provide data and reporting to support insight across the Group Risk Function.

The successful candidate will have a strong understanding of risk management principles across the credit lifecycle, credit analysis, and policies. They will also have experience of implementing scoring and advanced data and analytical techniques throughout the customer journey.

We offer a competitive salary range of £80,000 - £120,000 per annum, depending on experience, plus benefits including 26 days holiday, buy & sell holidays, discretionary annual bonus, matched pension contribution, life assurance, critical illness cover, health cash plan, private medical insurance, free access to company holiday homes, travel season ticket loans, ride to work scheme, free local gym access, and local bar/restaurant discounts.

Key Responsibilities
  • Oversee, challenge, and assure the first line credit risk management and reporting for credit risk across all products
  • Own and develop credit risk policies and related standards for all group lending products
  • Provide oversight and assurance to the Executive and Board that credit risk is being managed within risk appetite
  • Develop and provide data and reporting to support insight across the Group Risk Function
Qualifications and Experience
  • Strong understanding of risk management principles across the credit lifecycle, credit analysis, and policies
  • Experience of implementing scoring and advanced data and analytical techniques throughout the customer journey
  • Experience of secured lending, particularly specialist mortgage lending
  • Experience of managing and developing high performance teams
  • Confidential and influential communicator to Board Level


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