Harvey Nash
Head of Cred information Technology Risk
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Head of Credit Risk
Location: London – Hybrid
Salary: Up to £130,000
Type: Permanent
We are looking for an experienced Head of Credit Risk to lead the credit risk function for a growing lending fintech.
This is a senior, hands-on role with responsibility for credit strategy, risk appetite, underwriting, portfolio performance and credit decisioning. You’ll work closely with Product, Commercial, Data, Technology and Collections to optimise risk-adjusted returns and support responsible growth.
Key Responsibilities
- Own and develop credit risk strategy, policies and underwriting frameworks.
- Define risk appetite, lending criteria, portfolio limits and KRIs.
- Monitor portfolio performance and identify emerging risks.
- Improve credit models, scorecards and decisioning processes.
- Lead and develop a high-performing credit risk team.
- Work cross-functionally to improve lending products and customer outcomes.
- Use data and analytics to drive credit decisions and portfolio performance.
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Key Requirements
- Credit risk experience within financial services.
- Essential: Lending fintech experience.
- Previous experience leading a credit risk team.
- Strong knowledge of credit risk, underwriting and portfolio management.
- Strong analytical and commercial decision-making skills.
- Experience with BI tools such as Power BI or Looker.
- Knowledge of credit risk modelling and statistical analysis.
- Small business lending experience is desirable.
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📍 London | Hybrid
💰 Up to £130,000 | Permanent
If you’re an experienced Credit Risk leader with lending fintech experience, please get in touch or send over your CV.
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