Head of Consumer Credit

2 weeks ago

Solihull, Solihull, United Kingdom Secure Trust Bank Full time £80,000 - £120,000 per year

About The Role

Secure Trust Bank Group is seeking a dynamic and experienced
Head of Consumer Credit
to lead the credit risk strategy for our Retail Finance business. This is a pivotal role, responsible for overseeing the end-to-end credit lifecycle—from origination and in-life management to impairment—ensuring our portfolio remains robust, customer-focused, and commercially sound.

What You'll Be Doing

  • Lead and shape the credit risk profile across our Retail Finance portfolio, ensuring alignment with our Risk and Capital parameters.
  • Own and develop credit risk models and scorecards, driving continuous improvement and innovation.
  • Design and oversee risk strategies that balance commercial success with customer fairness and regulatory compliance.
  • Engage and influence senior stakeholders, including Executive Committee and Board members, with clear, data-driven insights.
  • Chair key governance forums, including Credit Committees and monthly Credit Risk meetings.
  • Collaborate cross-functionally with Finance, Compliance, Marketing, and other Group functions to deliver strategic goals.
  • Represent STB externally, building strong relationships with third parties and regulators.

What We're Looking For

  • Proven leadership in Consumer Credit Risk, with expertise in personal finance and revolving credit.
  • Strong command of credit risk models, scorecards, and IFRS9.
  • Deep understanding of regulatory frameworks, including FCA/PRA requirements and the Senior Managers & Certification Regime.
  • Ability to influence at all levels, from operational teams to Board-level stakeholders.
  • A passion for continuous improvement and delivering value to both the business and our customers.

Qualifications & Experience

  • Degree-level education or equivalent professional qualification.
  • Demonstrable experience in a senior credit risk role within a regulated financial services environment.

Everyone is different. Everyone is valued

As part of our vision to become the most trusted specialist lender in the UK, we've been helping customers and businesses fulfil their ambitions s ince In that time, we've learned that we're more than the sum of our parts. We're a strong Group because of our people and our strengths; specialist, expert, ambitious and also diverse . All of our people are different and this is something we celebrate .

Every one of our employees brings unique talent, ability and perspective to their role.

That's why Secure Trust Bank Group nurtures differences. We understand that we perform better because we're not cast from the same mould. We actively embrace and support diversity, work with leading industry bodies and promote initiatives that reinforce our philosophy of giving you the freedom to be who you are.

We're an award-winning bank providing savings accounts and lending services to over one million customers. We're Secure Trust Bank Group. We embrace difference.

  • Complaints Handler

    1 week ago

    Solihull, Solihull, United Kingdom The Curve Group Full time £25,000 - £40,000 per year

    Customer Resolution Professional (Motor Finance)Location:Solihull - HybridFull-time | PermanentDepartment:Customer Operations (Motor Finance)Reports to:Customer Resolution Team Leader – Motor FinanceAre you ready to own your role and make a difference in customers' lives?Join a team that's bold, positive, and takes real ownership – where your...

  • Partner Risk Management Analyst

    1 week ago

    Solihull, Solihull, United Kingdom BNP Paribas Full time £40,000 - £80,000 per year

    Job Title: Partner Risk Management AnalystLocation: Solihull; a flexible hybrid working model which supports you as well as enabling you to work collaboratively with your colleaguesContract: Full-time, PermanentAbout UsAt BNP Paribas Personal Finance, we're part of a global banking group with a simple mission: to provide straightforward consumer finance...

  • Risk Management Analyst

    4 hours ago

    Solihull, Solihull, United Kingdom BNP Paribas Personal Finance Full time

    Job Title:Partner Risk Management AnalystLocation:Solihull; a flexible hybrid working model which supports you as well as enabling you to work collaboratively with your colleaguesContract:Full-time, PermanentAbout UsAtBNP Paribas Personal Finance, we're part of a global banking group with a simple mission: to provide straightforward consumer finance...

  • Senior Marketing Manager

    6 days ago

    Solihull, Solihull, United Kingdom Digital Waffle Full time £60,000 per year

    A community-based company, famed for creating unforgettable experiences for families, is on the hunt for a Head of Marketing, working to build a cohesive brand, drive growth, and maximise revenue.The right candidate will be a dynamic marketer with the ability to run campaigns across multiple channels, including website, social, and email.Location: Solihull...

  • Senior Product Designer

    7 days ago

    Solihull, Solihull, United Kingdom Lounge Full time £40,000 - £60,000 per year

    Role: Senior Product Designer(Lingerie and Swim),12 months, FTC.Start date:Mid Feb 2026.Location: Solihull, HQ.We are looking for a Senior Product Designer(12-month maternity cover)to take our collections to a new level with innovation and creativity. We are seeking someone who is creative, thinks outside the box, and has ahead-of-the-curve ideas for all our...

  • Compliance Officer

    2 days ago

    Solihull, Solihull, United Kingdom LSL Property Services PLC Full time

    Job Locations: UK-Solihull Job Profile:Compliance Officer – Risk & CompliancePart of LSL Property Services plc, PRIMIS Mortgage Network are the largest Mortgage and Protection Network in the UK with some 1000 firms as business partners and circa 3000 advisors working alongside us. The FS division also includes TMA and Linear Financial Solutions.We are keen...

  • Customer Service Officer

    6 days ago

    Solihull, Solihull, United Kingdom SG Fleet AU Full time £25,000 - £40,000 per year

    AS A CUSTOMER SERVICE OFFICER YOU WILL..Effectively and efficiently respond to day-to-day enquiries from our drivers, liaising with internal and external stakeholders and supporting the sales team by processing new orders. This role supports and worksclosely with the Team Leader, Sales Executives, Customer Success Managers and Head of Consumer.YOUR DAYS WILL...

  • Finance Transformation Analyst

    2 days ago

    Solihull, Solihull, United Kingdom BNP Paribas Full time

    Job Title:Finance Transformation Analyst (FTC 6 Months)Location:Solihull; a flexible hybrid working model which supports you as well as enabling you to work collaboratively with your colleaguesHours:Full time, Permanent______________________________________________A Bit About UsAt BNP Paribas Personal Finance, we are proud to be part of a global banking...

  • Senior Organisational Development Partner

    2 days ago

    Solihull, Solihull, United Kingdom BNP Paribas Full time

    Location:Solihull; a flexible hybrid working model which supports you as well as enabling you to work collaboratively with your colleaguesContract:Full-time, PermanentAbout UsAt BNP Paribas Personal Finance, we're part of a global banking group with a simple mission: to provide straightforward consumer finance solutions that help customers make responsible...

  • Head of Consumer Credit

    2 weeks ago

    Solihull B LH, United Kingdom SECURE TRUST BANK Full time £80,000 - £120,000 per year

    Secure Trust Bank Group is seeking a dynamic and experienced Head of Consumer Credit to lead the credit risk strategy for our Retail Finance business. This is a pivotal role, responsible for overseeing the end-to-end credit lifecycle—from origination and in-life management to impairment—ensuring our portfolio remains robust, customer-focused, and...

  • Head of Consumer Credit

    2 weeks ago

    Cardiff, London, Solihull, United Kingdom Secure Trust Bank Full time £60,000 - £100,000 per year

    Secure Trust Bank Group is seeking a dynamic and experienced Head of Consumer Credit to lead the credit risk strategy for our Retail Finance business. This is a pivotal role, responsible for overseeing the end-to-end credit lifecycle—from origination and in-life management to impairment—ensuring our portfolio remains robust, customer-focused, and...

  • Risk Manager

    4 days ago

    Solihull, United Kingdom The Curve Group Full time

    We have a current opportunity for a Risk Manager - Consumer Finance on a permanent basis. The position will be based in Solihull. For further information about this position please apply. JOB PURPOSE As Risk Manager you will own the day to day management of the Consumer Finance credit risk strategies and associated controls, ensuring that lending follows...

  • Credit Control

    6 days ago

    Solihull, United Kingdom SF Group Full time

    SF are working with one of Europe's largest and most forward thinking organisations who are taking on the challenges around sustainable energy and growth. They have brand new solutions and products that they have already rolled out here in the UK and have set up a new Head Office in Solihull. Working in an award winning Credit department, your role will...

  • Credit Risk Manager

    2 weeks ago

    Metropolitan Borough of Solihull, United Kingdom BNP Paribas Personal Finance Full time

    Direct message the job poster from BNP Paribas Personal Finance Recruitment Partner at BNP Paribas Personal Finance via The Curve Group Location: Solihull; a flexible hybrid working model which supports you as well as enabling you to work collaboratively with your colleagues Hours: Full time, Permanent ______________________________________________ A bit...

  • Project Support Officer

    6 days ago

    Solihull, United Kingdom Aubay Full time

    LOCATION **West Midlands, Solihull**: - Hybrid- SALARY **£45k+**: - OUR CLIENT Global Financial Solutions Provider - SPECIALTY Personal Loans, Revolving Credit, Loan Consolidation Solutions, Payment Facilities/Short Term Credit, Real Estate Credit, Short Term Credit, In-Store Credit, Retail Credit Card, Car Leasing Services - INDUSTRY Financial...

  • Senior Expert Fraud Analyst

    2 weeks ago

    Solihull, United Kingdom The Curve Group Full time

    Senior Expert Fraud Analyst Solihull £48,000-£56,000 + benefits Here's a high-impact fraud analytics position that gives you direct influence with senior decision-makers. You'll take the lead in identifying and stopping fraud across major UK retail finance products. Working side-by-side with the Head of Fraud, you'll shape the company's fraud strategy and...

  • Head of Research and Market Insights

    2 days ago

    Solihull, United Kingdom Correla Full time

    Discipline: - Standard- Job type: - Fixed Term- Salary: - c£75,000- Contact name: - Ellie Reilly- - Job ref: - 007682Correla are looking for a **Head of Research & Market Insights** to join our SaaS area of the business. **Salary: c£75,000** **Role Type: 12 month Maternity Cover** **About us** In March 2021, Correla was created, as an independently...

  • Scrum Master

    6 days ago

    Solihull, United Kingdom Aubay Full time

    LOCATION **West Midlands, Solihull**: - Hybrid- SALARY **£45k+**: - OUR CLIENT Global Financial Solutions Provider - SPECIALTY Personal Loans, Revolving Credit, Loan Consolidation Solutions, Payment Facilities/Short Term Credit, Real Estate Credit, Short Term Credit, In-Store Credit, Retail Credit Card, Car Leasing Services - INDUSTRY Financial...

  • Complaint Handler

    4 days ago

    Solihull, United Kingdom BNP Paribas Full time

    **Job Title**:Complaint Handler - Motor **Location**: Solihull; a flexible hybrid working model which supports you as well as enabling you to work collaboratively with your colleagues **Hours**: Full time, Permanent - _______________________ **A bit about us**: At BNP Paribas Personal Finance, we are proud to be part of a global banking group. Our mission...