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Temporary/Casual
Finance

Head of Credit Risk (Consumer/SME)

Norton BlakeCity, London🇬🇧United KingdomPosted 20 Jul 2026

Why This Role Stands Out

This leadership role offers a fantastic opportunity to shape the credit risk strategy for both consumer and SME lending, driving innovation and sustainable growth within a reputable company. You'll thrive here if you possess extensive experience in end-to-end credit lifecycle management and strategic decisioning, and you'll enjoy the flexibility of a hybrid work model. We encourage you to apply and explore this exciting position.

Quick Overview

Salary
£800 - £850/mo
Work Type
Hybrid
Schedule
Temporary/Casual
Level
Leader

Job Description

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 (eg 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 life cycle: originations, account management, line management, collections, and recoveries

Skills

  • 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

Skills

Portfolio Management
Underwriting

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