Norton Blake
Head of Credit Risk (Consumer / SME)
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Head of Credit Risk (Consumer / SME), London/Hybrid, 6 months, £800 - £850/day (Inside IR35)
Purpose of the role
To lead the first-line credit risk function across SME and Consumer lending, ensuring end-to-end ownership of credit strategy including; acquisition, underwriting, portfolio performance, and decisioning architecture to deliver sustainable growth, strong risk-adjusted returns, and regulatory compliance.
Responsibilities
- Define and own the first-line credit risk strategy across SME and Consumer lending, aligning risk appetite with growth ambitions, capital efficiency, and profitability targets
- Own the roadmap for credit decisioning transformation, including next-generation decision engines, credit risk models customer journeys and data capabilities
- Drive innovation in decisioning through advanced analytics, automation, and digital capabilities
- Own and optimise credit decisioning frameworks, including policy, scorecards, affordability models and manual underwriting approaches for acquisition and on-going customer servicing
- Act as Senior Relationship Owner for key third-party credit data and decisioning providers (e.g. Experian), including performance, commercials, and strategic alignment
- Maintain scalable, resilient, and future-proof credit architecture and platforms
- Act as a senior leader, shaping enterprise-wide credit strategy, product design, and customer propositions as required
- Provide clear leadership across underwriting, portfolio management, modelling, and credit decisioning / strategy functions
- Hold accountability for credit performance across the lifecycle: originations, account management, line management, collections, and recoveries
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Skills
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- Strategic Credit Decisioning Risk Leadership
- End-to-End Credit Lifecycle Management
- Large scale Credit Decisioning transformation
- Portfolio Management & Performance Optimisation
- Deep lending product management
- Executive Leadership & Stakeholder Influence
Knowledge
- Strategic Credit Strategy, Decisioning & Transformation
- Advanced Data, Modelling & Analytics
- Portfolio Management & Performance
- Operational Delivery & Process Ownership
- Senior Vendor & External Relationship Management
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Skills