Head of Credit

Finance for you Ireland; Killarney; On-site; EUR 110,000 - 160,000; Full time

Job summary

Finance for You is seeking a Head of Credit in Killarney to lead credit and underwriting functions, design risk frameworks, and balance growth with responsible lending. The role requires steering policy development, monitoring portfolio performance, and guiding analytics to support product and technology decisions in a fast-paced Irish consumer lending environment.

You will manage a credit team, approve complex applications, collaborate with operations and finance, and prepare regular insights

Qualifications

• Experience designing and overseeing credit policies and underwriting standards.
• Strong analytics, data-driven decision-making and risk modeling skills.
• Experience leading credit or risk teams and building portfolios.
• Understanding of Irish consumer lending regulations and responsible lending.

Responsibilities

• Oversee all credit and underwriting activities and define risk framework.
• Lead the credit team and review complex credit applications.
• Collaborate with operations, finance, and technology to enhance decisioning tools.
• Provide regular reports and strategic insights to senior leadership.

Skills

Credit management

Credit risk management

Leadership

Data-driven decision-making

Portfolio management

Regulatory compliance

Stakeholder management

Credit decisioning systems

Financial modelling tools

Education

Bachelor's degree in finance, economics, business

Postgraduate qualification or professional certification

Tools

Credit decisioning systems

Financial modelling tools

Job description

Company Description Finance for You is a consumer finance provider dedicated to meeting the fast-paced and evolving lending needs of customers across Ireland. The company offers innovative, fair, and personalized loan solutions for individuals, regardless of their circumstances or credit history. Its mission is to help customers achieve their goals, improve their family's financial well-being, and, where needed, repair their credit rating. Finance for You is grounded in responsible lending practices, supported by robust underwriting and a strong focus on customer-centric technology. The company aims to become a leader in convenient, tailored consumer finance through cutting-edge solutions that reflect a deep understanding of customer needs and challenges.

Finance For You is regulated by the Central Bank of Ireland

Role Description The Head of Credit is a full-time, on-site role based in Killarney, responsible for overseeing all credit and underwriting activities. The role involves defining and implementing credit policies, procedures, and risk frameworks to ensure responsible lending and regulatory compliance. The Head of Credit will manage credit assessment processes, monitor portfolio performance, and optimize credit strategies to balance growth with risk control. Day-to-day tasks include leading the credit team, reviewing and approving complex credit applications, conducting risk analysis, and collaborating with operations, finance, and technology teams to enhance decisioning tools and processes. This role also contributes to strategic planning, supports product development from a credit perspective, and prepares regular reports and insights for senior leadership.

Qualifications

• Strong experience in credit management and credit risk management, with the ability to design and oversee robust credit policies and underwriting standards.
• Advanced analytical skills and proficiency in finance, enabling data-driven decision-making, risk modeling, and performance monitoring.
• Proven portfolio management skills, including monitoring loan performance, segment analysis, and implementing strategies to improve portfolio quality.
• Previous leadership experience managing credit or risk teams, with the ability to coach, develop, and motivate team members.
• Thorough understanding of consumer lending, responsible lending practices, and relevant regulatory requirements in Ireland.
• Excellent communication and stakeholder management skills, with the ability to present complex credit and risk information clearly to non-technical audiences.
• Bachelor's degree in finance, economics, business, or a related discipline; a relevant postgraduate qualification or professional certification (e.g., risk management, credit analysis) is an advantage.
• Experience working with technology-driven lending platforms or digital financial services, and comfort with using data and systems for credit decisioning.
• High level of integrity, sound judgment, and a customer-centric mindset aligned with responsible lending principles.