Chief Credit Risk Officer

JR United Kingdom; Coventry; Hybrid; GBP 60,000 - 100,000; Full time

Job summary

An innovative Community Interest Company is seeking a Chief Credit Risk Officer to lead its credit risk function. This strategic role involves overseeing underwriting, collections, and analytics to ensure sustainable growth and financial inclusion. The ideal candidate will have extensive experience in lending and credit risk management, with a strong focus on regulatory compliance and the ability to translate complex data into actionable insights. Join a mission-driven organization that’s making a significant impact in the community by providing ethical lending solutions and shaping the future of financial inclusion.

Benefits

Health Plan

Life Insurance

Income Protection

Flexible Working

Retail Discounts

Qualifications

• Extensive experience in lending or credit risk, with at least three years in a senior role.
• Proven expertise in credit risk management and fintech lending strategies.

Responsibilities

• Oversee credit risk assessment and mitigation while growing the customer base.
• Develop and refine credit risk models and policies for optimal lending decisions.

Skills

Credit Risk Management

Regulatory Compliance

Analytical Skills

Leadership

Stakeholder Management

Job description

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Fair for You- Changing Lives Through Better Lending

About Us

Fair for You is a pioneering Community Interest Company dedicated to providing ethical and affordable credit to those excluded from mainstream finance. Since 2015, we’ve helped 100,000 customers access essential household goods through £85m in loans, generating over £1bn in social value. Our vision is clear: to change lives through better lending by moving individuals from financial exclusion to resilience.

The Opportunity

We are seeking an exceptional Chief Credit Risk Officer (CCRO) to lead and innovate our credit risk function. This is a newly created strategic role reporting directly to the CEO, with a mission to ensure sustainable, responsible growth while maintaining the integrity of our loan book. You’ll oversee underwriting, collections, and credit risk analytics, driving efficiency and financial inclusion at scale.

• Oversee the identification, assessment, and mitigation of credit risk while growing the customer base and maintaining profitability.
• Develop, implement, and refine credit risk models, policies, and scorecards to optimise lending decisions.
• Continuously monitor financial metrics and loan book performance indicators to identify risks and opportunities.
• Lead collections strategies, ensuring a strong feedback loop to refine credit risk assessment.
• Ensure compliance with regulatory requirements, including credit file reporting and data protection policies.
• Own the end-to-end customer journey from application through to loan repayment or termination.
• Provide insightful reporting on credit risk data to the CEO, Board, and external stakeholders.
• Champion the use of technology to drive automation and efficiency in credit decisioning and collections.
• Collaborate with senior leadership to define risk appetite and align strategies with overall business objectives.

What We’re Looking For

• Extensive experience in lending, banking, or credit risk, with at least three years in a senior leadership role.
• Proven credit risk management expertise, including regulatory compliance & fintech lending strategies
• Strong analytical skills with the ability to translate complex data into actionable insights.
• Proven leadership experience with the ability to manage teams and drive strategic initiatives.
• Experience in scaling businesses and navigating the challenges of a rapidly evolving financial landscape.
• Exceptional communication and stakeholder management skills.
• A commitment to social impact, with a passion for financial inclusion.

Your Impact

• Shape the Future of Ethical Lending
• Lead & Inspire

What We Offer

• Hybrid Working: Eight days per month in the Coventry office.
• Comprehensive Benefits: Health plan, life insurance, income protection, flexible working, and retail discounts.

If this role is of interest please submit your CV. This position is exclusively retained by Trinity House Group. All direct applications or approaches will be redirected to us for consideration.