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Location: Coventry (Hybrid – 8 days a month in the office)
Fair for You CIC is a pioneering, not-for-profit social enterprise committed to transforming lives through ethical lending. Established in 2015 and wholly owned by the Fair Credit Charity, our mission is to provide affordable credit to families underserved by mainstream financial services, enabling them to access essential household items without falling into debt traps.
Our organisation has been recognised for its innovative approach and commitment to social impact. In We have received multiple accolades, including 'Credit Provider of the Year – Consumer' and 'Best Partnership of the Year' at the National Credit Awards and most recently 'Innovation Award' at the Corporate Finance Awards. These honours reflect our dedication to excellence and customer satisfaction.
Fair for You operates with a strong set of values: trust, partnership, fairness, integrity, and openness. These principles guide our daily operations and decision-making processes, ensuring that we remain focused on delivering community benefit over profit.
The Opportunity
We are seeking an exceptional Chief Credit Risk Officer (CCRO) to lead and innovate our credit risk function. This newly created strategic role reports directly to the CEO and is pivotal in ensuring sustainable, responsible growth while maintaining the integrity of our loan book. You will oversee underwriting, collections, and credit risk analytics, driving efficiency and financial inclusion at scale.
Key Responsibilities:
* Identify, assess, and mitigate credit risk while expanding our 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
Your Impact:
* Shape the future of ethical lending by leading a values-driven credit risk strategy.
* Drive efficiency and innovation in credit decisioning and collections.
* Lead and inspire a dedicated team committed to making a tangible difference in people's lives.
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 and 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.
What We Offer:
* Salary between £85,000-£90,000 dependent on experience
* Hybrid working model with eight days per month in our Coventry office.
* Comprehensive benefits package, including health plan, life insurance, income protection, flexible working, and retail discounts.
If you're seeking a career that combines professional growth with meaningful social impact, Fair for You provides a unique opportunity to be part of a mission-driven organisation that is redefining ethical finance in the UK.
This position is exclusively retained by Trinity House Group. All direct applications or approaches will be redirected to us for consideration.
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