Head of Credit

2 weeks ago

Hertfordshire UK, Eastern England, United Kingdom Birchlake Recruitment Full time

If you an experienced credit risk professional with proven leadership experience having worked in an FCA regulated retail environment and you're ready for a new challenge, then please continue reading.......



We have been instructed to work on behalf of one of our key clients with the appointment of a Head of Credit, which is a certified position under the Senior Management Certified Regime (SMCR).



The role will sit within the first line, responsible for taking a strategic collaborative and proactive approach to managing the Credit Risk team and supporting other areas of the business on risk related subjects such as Lending policies and pricing calculations.



Key activities/responsibilities:


  • Manage, develop and motivating the Credit Risk team is an essential part of your responsibilities
  • Working with Finance to deliver risk forecasts for both wholesale and retail activities with evidence
  • Ensure both the retail and wholesale Cost of Risk is calculated in line with internal Methodology respecting IFRS9 standards
  • Support and challenge all Operational areas by ensuring the Risk team provide accurate and timely data
  • Liaise with Marketing and the new channels expansion team to validate the risk assumptions on products and packages (both credit risk and asset risk)
  • Attend all Credit Risk related committees actively providing commentary and evidence
  • Provide analysis to auditors as and when required
  • Comply with relevant legislation at all times and guidance from the Regulators (FCA, PRA, ECB)
  • Month end – update all the closure reports including the IFRS9 process and produce analysis in order to meet the deadlines and guide the management decisions in an efficient way
  • Data quality – ensure the data quality behind the reporting produced. Share openly the data quality issues in analysis, raise Jiras (defects, job requests etc.) and establish priority levels whilst working towards resolution with the IS team
  • Own the ECL forecast process ensuring that the proposed figures are accurate and based on agreed measures. Guarantee that the appropriate approval process is respected
  • Ad-hoc analysis – update existing reports or create new ones in order to answer ad-hoc request in the most efficient and accurate way possible
  • Prepare and deliver presentations around credit risk, including regular visios and ad-hoc meeting
  • Ensure procedures and IFRS9 back testing documents are updated where required
  • Develop the team through effective training needs assessments supporting maturity of the Credit team
  • Liaise with stakeholders including the 2nd line of defense locally and centrally covering a variety of topics both on an ad-hoc or ongoing basis, using your expertise to fulfil information requests, reconciliation exercises or reporting needs where necessary


Required knowledge & skills:


  • Experience in managing a team with a transversal working ethic and effective leadership skills
  • Strong communication skills with ability to present and communicate ideas, issues and solutions to a wide range of stakeholders, ranging from advisors to the Board
  • Excellent analytical, prioritisation and organisational skills
  • Good interpersonal skills – ability to build relationships at all levels
  • Able to work independently, using own initiative with a logical and methodical approach
  • Proficient in maintaining accuracy with meticulous attention to detail
  • High level of commercial awareness and understanding of strategic direction of company and potential market and economic impacts on risk
  • Highly numerate preferably with good degree in Mathematics or Statistics
  • Ability to learn new reporting tools to a high standard
  • Expert level of Excel; preferably have knowledge of data management and visulisation tools such as Alteryx or Power BI
  • Experience in the application of models, including new production, portfolio risk segmentation, IFRS9 and Collection to name a few.


This is a hybrid role with highly competitive benefits.

  • Credit Manager

    2 weeks ago

    Gloucestershire, UK, South West England, United Kingdom T2M Resourcing Full time

    Group Credit Manager 6 Month FTCLocation – Gloucestershire with hybrid workingSalary - up to £60,000 per annumT2M Resourcing are recruiting a Group Credit Manager for this highly successful and rapidly growing specialist services company. This is an exciting time to join the business as it goes through a period of growth, change and transformation.In this...

  • Operations Manager

    4 weeks ago

    Hertfordshire, Eastern England, United Kingdom Norrie Johnston Recruitment Full time

    Our client is a premium and innovative market leading brand specialising in the design and supply of water-based underfloor heating systems in the UK. The underfloor heating market has been changing and growing constantly over the last 20 years. From being perceived as a prestigious home feature to being an essential component of the future 2050 net zero...

  • Manager Transaction Services

    21 hours ago

    Lancashire, UK, North West England, United Kingdom MERJE Full time

    An exciting opportunity has arisen for a Head of Transaction Processing to join a leading company in the Technology industry.The successful candidate will be responsible for managing and overseeing a team of 100+ people across financial processing activities, with a focus on customer billing and credit control. This role will be based in Lancashire, and will...

  • Performance Creative Strategist

    2 weeks ago

    Bristol, UK, South West England, United Kingdom Heidi Full time

    Heidi was born to make it easy for more and more people to discover the power of the mountains. We burst onto the ski holiday market in 2018 (formally known as Ski Zoom) and have seen exponential growth.The company came from a desire to fix the lack of flexibility in the winter ski market. We help skiers and mountain lovers discover resorts that are hidden...

  • Head of Credit

    1 week ago

    Hertfordshire, United Kingdom Birchlake Recruitment Full time

    If you an experienced credit risk professional with proven leadership experience having worked in an FCA regulated retail environment and you're ready for a new challenge, then please continue reading.......We have been instructed to work on behalf of one of our key clients with the appointment of a Head of Credit, which is a certified position under the...

  • Head of Credit

    2 weeks ago

    Hertfordshire, United Kingdom Birchlake Recruitment Full time

    If you an experienced credit risk professional with proven leadership experience having worked in an FCA regulated retail environment and you're ready for a new challenge, then please continue reading.......We have been instructed to work on behalf of one of our key clients with the appointment of a Head of Credit, which is a certified position under the...

  • Head of Credit

    2 weeks ago

    Hertfordshire, United Kingdom Birchlake Recruitment Full time

    If you an experienced credit risk professional with proven leadership experience having worked in an FCA regulated retail environment and you're ready for a new challenge, then please continue reading....... We have been instructed to work on behalf of one of our key clients with the appointment of a Head of Credit, which is a certified position under...

  • Head of Credit

    2 weeks ago

    Hertfordshire, United Kingdom Birchlake Recruitment Full time

    If you an experienced credit risk professional with proven leadership experience having worked in an FCA regulated retail environment and you're ready for a new challenge, then please continue reading.......We have been instructed to work on behalf of one of our key clients with the appointment of a Head of Credit, which is a certified position under the...

  • Head of Credit

    2 weeks ago

    Hertfordshire, United Kingdom Birchlake Recruitment Full time

    If you an experienced credit risk professional with proven leadership experience having worked in an FCA regulated retail environment and you're ready for a new challenge, then please continue reading....... We have been instructed to work on behalf of one of our key clients with the appointment of a Head of Credit, which is a certified position under...

  • Head of Credit

    2 weeks ago

    Hertfordshire, United Kingdom Birchlake Recruitment Full time

    If you an experienced credit risk professional with proven leadership experience having worked in an FCA regulated retail environment and you're ready for a new challenge, then please continue reading....... We have been instructed to work on behalf of one of our key clients with the appointment of a Head of Credit, which is a certified position under the...

  • Head of Credit

    2 weeks ago

    Hertfordshire, United Kingdom Birchlake Recruitment Full time

    If you an experienced credit risk professional with proven leadership experience having worked in an FCA regulated retail environment and you're ready for a new challenge, then please continue reading.......We have been instructed to work on behalf of one of our key clients with the appointment of a Head of Credit, which is a certified position under the...

  • Head of Credit

    2 weeks ago

    Hertfordshire, United Kingdom Birchlake Recruitment Full time

    If you an experienced credit risk professional with proven leadership experience having worked in an FCA regulated retail environment and you're ready for a new challenge, then please continue reading.......Considering applying for this job Do not delay, scroll down and make your application as soon as possible to avoid missing out.We have been instructed to...

  • Head of Trade Credit

    2 weeks ago

    Bradford, UK, West Yorkshire, United Kingdom Green Barks Search Full time

    Drive success and grow a wonderful business unitOur client, a leading independent insurance broker, is searching for a strategic and people-centric leader to join them as their Head of Trade Credit Insurance. A fourth-generation family-firm have a presence across the British Isles and headquartered in Bradford.As Head of Trade Credit, you will provide...

  • Deputy Head of Credit

    2 weeks ago

    City Of London, UK, Central London, United Kingdom DSR Global Full time

    Global Bank in the City of London are looking for a Deputy Head of Credit to join their Credit team.Responsible for ensuring credit quality at the approval stage, monitoring the ongoing credit dynamics of the credit portfolio at a macro and micro level post sanction and the compliance of credit risk with Group policy and local regulatory guidelines....

  • Head of Credit Risk

    2 weeks ago

    London, UK, UK, United Kingdom Harnham Full time

    HEAD OF CREDIT RISK - CREDIT CARDS £115,000 LONDON This role offers the change to own existing customer strategy within the Credit Card book for a growing FinTech business. The company are in an exciting time, with new product launches and re-vamps of existing strategy, with this role a core part of their growth strategy. THE COMPANY This FinTech are...

  • Head of Credit Admin Services

    5 days ago

    UK, United Kingdom Barbara Houghton Associates Full time

    Our client, an International Bank, is looking for a Head of Credit Admin Services - Banking to join their team in London. This role is 5 days per week in the office.The purpose of the role is to facilitate a seamless process under the credit administration function, direct managerial responsibility for managing the credit administration function, monitor and...

  • Head of Credit Admin Services

    5 days ago

    UK, United Kingdom Barbara Houghton Associates Full time

    Our client, an International Bank, is looking for a Head of Credit Admin Services - Banking to join their team in London. This role is 5 days per week in the office. The purpose of the role is to facilitate a seamless process under the credit administration function, direct managerial responsibility for managing the credit administration function, monitor...

  • Head of Credit

    2 weeks ago

    St Albans, Hertfordshire, United Kingdom Birchlake Recruitment Full time

    If you an experienced credit risk professional with proven leadership experience having worked in an FCA regulated retail environment and you're ready for a new challenge, then please continue reading....... Considering applying for this job Do not delay, scroll down and make your application as soon as possible to avoid missing out. We have been...

  • Credit Controller

    3 months ago

    Hertfordshire, United Kingdom Cpl Full time

    We are currently looking for a Credit Controller to join the Branch Finance Team. As Credit Controller you will be working as part of a finance team in Letchworth. The candidate will report to the Head of Branches – Finance and have responsibility for a number of daily, weekly and monthly tasks: • Posting invoices/credits to sage daily.• E-mailing out...

  • Credit Controller

    4 weeks ago

    Hertfordshire, United Kingdom Cpl Full time

    We are currently looking for a Credit Controller to join the Branch Finance Team. As Credit Controller you will be working as part of a finance team in Letchworth. The candidate will report to the Head of Branches – Finance and have responsibility for a number of daily, weekly and monthly tasks: • Posting invoices/credits to sage daily.• E-mailing out...

  • Head of Credit

    1 month ago

    City Of London, UK, Central London, United Kingdom Market Talent Ltd Full time

    Our client, a prestigious international bank, is seeking a Head of Credit to join their esteemed office in the City of London. This is a key leadership role where you will be instrumental in upholding the highest standards of credit quality at the approval stage, meticulously monitoring the credit portfolio, and ensuring strict compliance with Group policies...

  • Head of Credit

    4 weeks ago

    City Of London, UK, Central London, United Kingdom Market Talent Ltd Full time

    Our client, a prestigious international bank, is seeking a Head of Credit to join their esteemed office in the City of London. This is a key leadership role where you will be instrumental in upholding the highest standards of credit quality at the approval stage, meticulously monitoring the credit portfolio, and ensuring strict compliance with Group policies...

  • Front Office Credit Analyst

    4 weeks ago

    UK, UK, United Kingdom Saxton Leigh Full time

    THE COMPANY:Our client is multinational Corporate banking company, with over 13,000 branches worldwide. THE RESPONSIBILITIES:To act as the key credit partner to support the Corporate Banking and Financial Institutions Department achieve departmental objectives through the provision of comprehensive credit application and business focused administrative...

  • Credit Risk Data An

    2 weeks ago

    Hertfordshire, United Kingdom Birchlake Recruitment Full time

    If you an experienced credit risk professional with proven leadership experience having worked in an FCA regulated retail environment and you're ready for a new challenge, then please continue reading....... We have been instructed to work on behalf of one of our key clients with the appointment of a Head of Credit, which is a certified position under the...