Head of Consumer Credit

Join to apply for the Head of Consumer Credit role at Secure Trust Bank

Secure Trust Bank Group is seeking a dynamic and experienced Head of Consumer Credit to lead the credit risk strategy for our Retail Finance business. This is a pivotal role, responsible for overseeing the end-to-end credit lifecycle—from origination and in‑life management to impairment—ensuring our portfolio remains robust, customer‑focused and commercially sound.

• Lead and shape the credit risk profile across our Retail Finance portfolio, ensuring alignment with our Risk and Capital parameters.
• Own and develop credit risk models and scorecards, driving continuous improvement and innovation.
• Design and oversee risk strategies that balance commercial success with customer fairness and regulatory compliance.
• Engage and influence senior stakeholders, including Executive Committee and Board members, with clear, data‑driven insights.
• Chair key governance forums, including Credit Committees and monthly Credit Risk meetings.
• Collaborate cross‑functionally with Finance, Compliance, Marketing, and other Group functions to deliver strategic goals.
• Represent STB externally, building strong relationships with third parties and regulators.

• Proven leadership in Consumer Credit Risk, with expertise in personal finance and revolving credit.
• Strong command of credit risk models, scorecards, and IFRS
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• Deep understanding of regulatory frameworks, including FCA/PRA requirements and the Senior Managers & Certification Regime.
• Ability to influence at all levels, from operational teams to Board‑level stakeholders.
• A passion for continuous improvement and delivering value to both the business and our customers.

• Degree‑level education or equivalent professional qualification.
• Demonstrable experience in a senior credit risk role within a regulated financial services environment.

Everyone is different. Everyone is valued. As part of our vision to become the most trusted specialist lender in the UK, we’ve been helping customers and businesses fulfil their ambitions since 1952. We celebrate diversity and nurture differences, believing that the best bank is built on unique talent and perspectives.

Secure Trust Bank Group provides savings accounts and lending services to over one million customers. Our people are our biggest investment, and we offer a career that goes beyond a job – a chance to add real value and help us constantly improve. We are committed to autonomy, innovation and recognising exceptional performance.

Full‑time;
Executive level;
Finance and Sales function;
Banking industry;

Location:

United Kingdom.