Head of Cred Information Technology Risk

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. 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. 📍 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.