MERJE
Head of Credit
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Head of Credit
A start-up is hiring a Head of Credit to build and run its credit function, with a direct report.
The Role
As Head of Credit, you'll take full ownership of the credit function, covering policy, risk appetite, underwriting, portfolio performance, and collections strategy for the firm's loan products. You'll shape and evolve the credit strategy as the business scales, working closely with a data scientist who'll report into you to build out scorecards, while you set the direction, validate outputs, and translate model performance into commercial decisions.
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Requirements
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- Experience running or building a credit function, ideally within consumer or salary-based lending
- Strong understanding of credit risk across the full lifecycle — policy, underwriting, monitoring, and collections
- Experience developing or overseeing the development of credit scorecards
- Comfortable managing and directing technical specialists such as data scientists or analysts
- Track record of setting credit strategy and risk appetite in a growing or start-up environment
- Strong commercial judgement, able to balance growth with risk control
- Confident communicator, able to present credit performance and strategy to senior stakeholders
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