Head of Consumer Credit

Secure Trust Bank PLC; Cardiff; On-site; GBP 80,000 - 120,000; Full time

Job summary

A leading financial institution in the UK is seeking a Head of Consumer Credit to lead the credit risk strategy for its Retail Finance business. This pivotal role involves overseeing the credit lifecycle from origination to management, ensuring a robust and customer-focused portfolio. The ideal candidate will have strong leadership experience in Consumer Credit Risk and a solid understanding of credit risk models and regulatory frameworks.

Qualifications

• Proven leadership in Consumer Credit Risk with expertise in personal finance.
• Demonstrable experience in a senior credit risk role within a regulated environment.

Responsibilities

• Lead and shape the credit risk profile across our Retail Finance portfolio.
• Own and develop credit risk models and scorecards.
• Design and oversee risk strategies for regulatory compliance.
• Engage and influence senior stakeholders with data-driven insights.
• Chair key governance forums including Credit Committees.
• Collaborate with Finance, Compliance, and Marketing to achieve goals.
• Represent the bank externally, building relationships with regulators.

Skills

Leadership in Consumer Credit Risk

Credit risk models

Regulatory frameworks knowledge

Ability to influence stakeholders

Continuous improvement

Education

Degree-level education or equivalent qualification

Job description

Overview

Secure Trust Bank Group is seeking a dynamic and experienced Head of Consumer Credit to lead the credit risk strategy for our Retail Finance business. This is a pivotal role, responsible for overseeing the end-to-end credit lifecycle—from origination and in-life management to impairment—ensuring our portfolio remains robust, customer-focused, and commercially sound.

What You’ll Be Doing

• Lead and shape the credit risk profile across our Retail Finance portfolio, ensuring alignment with our Risk and Capital parameters.
• Own and develop credit risk models and scorecards, driving continuous improvement and innovation.
• Design and oversee risk strategies that balance commercial success with customer fairness and regulatory compliance.
• Engage and influence senior stakeholders, including Executive Committee and Board members, with clear, data-driven insights.
• Chair key governance forums, including Credit Committees and monthly Credit Risk meetings.
• Collaborate cross-functionally with Finance, Compliance, Marketing, and other Group functions to deliver strategic goals.
• Represent STB externally, building strong relationships with third parties and regulators.

What We’re Looking For

• Proven leadership in Consumer Credit Risk, with expertise in personal finance and revolving credit.
• Strong command of credit risk models, scorecards, and IFRS9.
• Deep understanding of regulatory frameworks, including FCA/PRA requirements and the Senior Managers & Certification Regime.
• Ability to influence at all levels, from operational teams to Board-level stakeholders.
• A passion for continuous improvement and delivering value to both the business and our customers.

Qualifications & Experience

• Degree-level education or equivalent professional qualification.
• Demonstrable experience in a senior credit risk role within a regulated financial services environment.

Everyone is different. Everyone is valued

As part of our vision to become the most trusted specialist lender in the UK, we’ve been helping customers and businesses fulfil their ambitions since 1952. In that time, we’ve learned that we’re more than the sum of our parts. We’re a strong Group because of our people and our strengths; specialist, expert, ambitious and also diverse. All of our people are different and this is something we celebrate.

Every one of our employees brings unique talent, ability and perspective to their role.

That’s why Secure Trust Bank Group nurtures differences. We understand that we perform better because we’re not cast from the same mould. We actively embrace andsupport diversity, work with leading industry bodies and promote initiatives that reinforce our philosophy of giving you the freedom to be who you are.

We’re an award-winning bank providing savings accounts andlending servicesto over one million customers. We’re Secure Trust Bank Group. We embrace difference.