Head of Credit Risk - #1696383

We have achieved significant growth over the last few years and have bold plans to expand further. We are seeking a Head of Credit Risk to be responsible for the first line Risk across the Mortgages department and forward flow agreements, playing a pivotal role in shaping the lending strategy of the business.

This role falls under SM&CR, and the successful candidate will need to be certified.

• Detailed mortgage knowledge, preferably in a specialist lender


• Strong credit risk management knowledge and experience


• Detailed knowledge of FCA principles


• Demonstrable knowledge of regulatory requirements

• Collaborate with and guide colleagues on credit risk policies as a key member of the Retail senior team.


• Monitor and report on Hodge’s residential mortgage portfolio to the Retail Credit Committee, executive senior team, and board.


• Develop mortgage risk policies to manage lending risks effectively, considering changing customer behavior.


• Lead and develop a team of three credit risk analysts.


• Lead credit risk analytics across Hodge’s mortgage portfolio and forward flow agreements, including Buy to Let lending and motor finance.


• Maintain a framework to monitor mortgage origination performance.


• Oversee underwriting through data analysis and quality assurance.


• Stay informed about external economic and market conditions impacting the business.


• Communicate complex analyses and insights clearly to both technical and non-technical stakeholders.

• Maintain knowledge of departmental policies and ensure compliance.


• Undertake additional tasks as requested by management.


• Support the organization's risk culture by actively managing risks.


• Comply with all policies, procedures, and legislative requirements, including GDPR, Financial Crime, PRA/FCA regulations, and employment laws.


• Ensure adherence to audit and compliance standards.


• Keep updated on regulatory and legislative changes related to products and services.

All applicants will be subject to background checks to ensure suitability for employment, including criminal record, identity, sanctions, finance, fraud prevention, and reference checks, in compliance with regulatory requirements.

Hodge is an equal opportunities employer, committed to diversity and inclusion. We welcome applications from all sections of the community, recognizing the value a diverse workforce brings.

ESG and sustainability are integral to our operations. We are exploring certifications to demonstrate our commitment to social purpose and responsible business practices.

Apply today to join Hodge’s mission to make life better for customers and society in the moments that matter.