My Client, a UK based bank, seeks a Head of Retail Credit, reporting in to the Bank's CCO.

The role is part of the Credit Risk Function which sits in the 2nd Line of Defence and is tasked with supporting the Chief Credit Officer “CCO” with credit risk decision making activities, the ongoing development, embedding and monitoring of the Bank’s Credit Risk Management Framework and to ensure Credit Risk activities remain effective and relevant to the Bank’s strategic objectives and the prevailing external economic environment.

The role holder will act as the primary point of reference and technical expert primarily for the Bank’s Retail Business activities, including mortgages (Residential & Buy-To-Let), unsecured personal loans and motor finance and being responsible for maintenance and evolution of the Bank’s Credit Risk Policies. This will also involve being directly responsible for ensuring the adequacy and relevance of ongoing resourcing, recruitment and management of the role holders direct Team.

Skills & Experience

• In depth understanding of the financial services sector with specific focus on Credit Risk.
• Extensive knowledge and understanding of intermediary mortgage lending and its processes.
• Excellent working knowledge of the FCA sourcebooks, principally MCOB and COCON.
• Strong understanding of Credit Risk appetite and Credit Risk management frameworks.

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