A niche lender in the retail sector is seeking a strategic and results‑driven Head of Credit to lead the credit risk and collections function across the full customer lifecycle. With decades of market presence and a focus on responsible lending, this organisation offers meaningful leadership scope for a credit risk professional who thrives at the intersection of origination, portfolio management, and collections optimisation.

Role Responsibilities

You will own end‑to‑end credit risk leadership from origination through to collections and recoveries, managing a high‑performing team and influencing credit strategy at a senior and executive level.

Oversee credit risk assessment processes, risk models, scoring systems, underwriting criteria, and end‑to‑end credit workflows Lead and implement credit risk policies, collections, and recovery strategies to optimise customer accounts, debtor costs, and cash yields Lead a team of analysts responsible for forecasting receivables ...