Head of Credit Risk
- Set and execute our credit risk strategy across UK, Germany, Spain, and France.
- Own the entire credit lifecycle—from acquisition to collections.
- Define credit policies and oversee governance structures.
- Lead a growing team of credit risk professionals.
- Monitor portfolio quality and develop risk mitigation strategies.
- Work cross-functionally with product, technology, compliance, and finance.
- Represent credit risk to funding partners, including Barclays Capital Markets.
- 10+ years in credit risk or lending, including 3-5 years in senior leadership.
- Proven success in credit policy, portfolio monitoring, and regulatory compliance.
- Extensive experience with retail consumer finance, especially point-of-sale loans.
- Bachelor’s degree in a relevant field (e.g., Finance, Economics) - essential.
- Master's degree or certifications (FRM, PRM, CFA) preferred.
- Experience running credit functions abroad (Germany, Spain, France etc.) is a bonus.
- Deep understanding of credit risk metrics and decisioning.
- Proficiency in Excel, SQL, SAS; Python is a plus.
- Knowledge of FCA, GDPR, IFRS 9, and industry risk frameworks.
- A natural leader who thrives in dynamic, cross-functional environments.
- Strong communicator, able to convey complex credit topics clearly.
- Aligned with our values of Courage, Persistence, and Integrity.
- Be a part of a purpose-driven company enabling the green transition at home.
- Work with a collaborative team focused on innovation and impact.
- Hybrid working with flexible office/home arrangements.
- Travel opportunities across the UK and Europe (with costs covered).
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