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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates extensive expertise in UK consumer credit risk management, including regulatory compliance, credit policy development, and hands-on experience with loan management systems. Proven ability to lead credit risk functions, implement decisioning logic, and design strategies for vulnerable customer identification and collections.
Highest-signal resume keywords
Senior Credit Risk Leadership ExperienceUK Consumer Credit Regulation KnowledgeLoan Management System ImplementationCredit Risk Modelling FoundationIFRS 9 Provisioning and Loss Forecasting
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit Risk ManagementAffordability AssessmentScorecard DevelopmentDecisioning Logic DesignCollections StrategyCredit Bureau Data AnalysisOpen Banking Data UtilizationRegulatory ComplianceLoss ForecastingPortfolio Analysis
Soft Skills
LeadershipCollaborationCommunicationProblem-SolvingAdaptability
Tools & Technologies
Loan Management SystemDecisioning PlatformCredit Bureau SystemsOpen Banking IntegrationPayments Integration
Certifications & Qualifications
Senior Management Function CertificationFCA Approval
Industry Keywords
CONCConsumer DutyConsumer Credit ActVulnerable Customer IdentificationOutsourced Collections ManagementRunning-Account CreditPoint-of-Sale LendingBNPLThin-File CustomersFunding Structures
About the role
Key responsibilities & impact- Stand up the UK consumer credit risk function from the ground up
- Partner with Product, Finance, Legal and Compliance to take lending propositions from concept to launch
- Define lending criteria, target borrowers, terms and pricing for fair value
- Set risk appetite and credit policy for a new regulated consumer credit product
- Design and implement affordability, creditworthiness and decisioning logic using credit bureau, Open Banking and account-behaviour data
- Build vulnerable-customer identification into credit processes
- Lead end-to-end procurement and implementation of the loan management or decisioning platform
- Work with Tech and Product on bureau, Open Banking and payments integration
- Design arrears and collections strategy in line with CONC 7
- Select and manage outsourced collections partners and own the commercial and oversight relationship
- Ensure credit processes satisfy FCA requirements, CONC, Consumer Duty and the Consumer Credit Act
- Support regulatory engagement, including Principle 11 notification and Variation of Permission
- Establish credit risk MI and reporting
- Own loss forecasting, IFRS 9 provisioning, vintage and portfolio analysis
- Build feedback loops from portfolio performance into policy
- Start hands-on, then hire and lead the credit risk function as the book scales
- Report to the CFO and serve as senior owner of credit risk
Requirements
What you’ll need- Senior credit risk leadership experience in UK consumer lending at a bank, lender, or fintech
- Demonstrable experience taking a new UK consumer credit product from zero to launch
- Deep, current knowledge of UK consumer credit regulation: CONC, the Consumer Duty, the Consumer Credit Act, and affordability/creditworthiness requirements
- Hands-on experience procuring and implementing a loan management system or decisioning platform from requirements through vendor selection to go-live
- Collections experience, ideally including outsourcing
- Strong credit risk modelling foundation, including affordability assessment, scorecards and decisioning
- Fluency with credit bureau and Open Banking data
- Experience with IFRS 9 provisioning and loss forecasting
- Comfortable operating in a fast-moving scale-up and willing to be hands-on while the function is small
- Expected to hold a relevant Senior Management Function or Certification Function under the FCA's Senior Managers & Certification Regime, subject to regulatory approval and ongoing fitness-and-propriety requirements
- Advantageous: experience with running-account credit or overdrafts, point-of-sale, BNPL or borrow-against-a-purchase lending
- Advantageous: experience standing up lending capability under a firm's own FCA permissions
- Advantageous: prior SM&CR senior manager experience and FCA approval
- Advantageous: experience lending responsibly to financially underserved, thin-file or near-prime customers
- Advantageous: awareness of lending capital and funding structures
Benefits
Comp & perks- 25 days annual leave + public holidays, with an extra day for every year worked
- Private medical with Confido
- Sports compensation with Stebby or discount from a gym
- 10 paid sick days per year
- Hybrid working + up to 30 days working abroad each year
- L&D budget + 10 paid learning days per year
- Annual eyecare allowance
- Enhanced maternity, paternity and shared parental leave
- VIP Pockit & Monese accounts
- Extra paid days off for your birthday and wedding
- Regular social events and team activities
- Monthly recognition awards and Team of the Quarter
- Share options, depending on role and level
- Employee referral bonus
- Free office parking