Head of Credit Risk & Controls

Exciting Opportunity: Head of Credit Risk & Controls Leading Financial Services Firm Location: Milton Keynes (Hybrid) Job Type: Permanent | Salary: Circa £100k Bonus & Benefits The Opportunity On behalf of our client, a rapidly growing financial services firm specialising in commercial lending and asset finance, we are seeking an experienced Head of Credit Risk & Controls to lead their credit function. This is a high-impact role where you will shape credit strategy, drive risk excellence, and ensure regulatory compliance while supporting sustainable business growth. About Our Client A trusted name in UK financial services, providing innovative lending solutions to SMEs and corporates. Committed to responsible finance , combining agility with robust risk management. Tech-forward approach , leveraging data and automation to enhance decision-making. The Role: Head of Credit Risk & Controls You will own and evolve the credit management & risk framework , ensuring a balance between growth and risk mitigation. Key Responsibilities: Credit Strategy & Leadership; Define and implement the credit risk appetite, policies, and controls. Lead the credit team, fostering a risk-aware culture while supporting business objectives. Present risk insights to Executives & Board, influencing high-level decisions. Risk Management & Controls; Oversee underwriting standards, portfolio monitoring, and early warning systems. Ensure compliance with regulatory requirements (e.g., FCA, IFRS 9). Optimise credit scoring models and decisioning tools (e.g., AI, machine learning). Portfolio Performance & Reporting; Monitor delinquency, defaults, and provisioning, driving corrective actions. Deliver MI & stress testing to anticipate emerging risks. Enhance collections & recovery strategies to minimise losses. Stakeholder Engagement; Partner with Sales, Finance & Risk teams to align credit policies with business goals. Manage relationships with external auditors, regulators, and credit bureaus. Who We're Looking For Proven leader in credit risk management (10 years in financial services). Deep expertise in commercial lending, asset finance, or banking. Regulatory knowledge (FCA, Basel, IFRS 9) and credit modelling experience. Tech-savvy - comfortable with data analytics, automation, and risk systems. Strategic mindset with strong commercial acumen. Why Apply? Shape the future of credit risk in a high-growth business. Hybrid working in Milton Keynes' thriving financial hub. Competitive package with bonus, pension, and career development. Confidential Hiring Process - Client details shared upon application.

Location: Milton Keynes, GB

Posted Date: 5/2/2025