Harnham
Chief Credit Officer
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Chief Credit Officer
South East England
£130,000 - £160,000 + Benefits
This is a rare opportunity for a senior credit risk leader to join a growing financial services business as Chief Credit Officer. Reporting directly to the CEO, you will take ownership of the credit function, influence business strategy, and play a key role in the organisation's continued growth.
The Company
They are a regulated financial services organisation operating across lending, asset finance, and related financial products. Combining the backing of a larger international group with the agility of a smaller UK business, they offer a collaborative environment where senior leaders can make a visible impact.
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The Role
- Lead credit risk across retail and wholesale lending portfolios
- Oversee credit strategy, credit modelling, underwriting, stress testing, and residual value risk
- Act as the accountable Senior Manager for the credit function under FCA regulations
- Manage senior leaders across credit risk, strategy, modelling, and residual value teams
- Partner with executive stakeholders to balance commercial growth and risk management
- Drive governance, portfolio performance, and regulatory oversight
Your Skills & Experience
- Experience operating at Head of, Director, Chief Credit Officer, or equivalent level
- Strong motor finance experience across retail and/or wholesale portfolios
- Broad credit risk expertise including strategy, underwriting, IFRS9, and portfolio management
- Understanding of residual value risk and key market drivers
- Knowledge of FCA regulatory requirements and governance frameworks
- Proven leadership experience managing teams and senior stakeholders
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What They Offer
- £130,000 - £160,000 salary plus benefits
- Hybrid working with 2 days per week in the office
- Direct exposure to the CEO and executive leadership team
- Significant ownership and influence from day one
- Strong career potential within a growing business
How to Apply
To find out more about this Chief Credit Officer opportunity, please submit your CV for a confidential discussion.
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