Abound - Head of Credit Risk
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Requirements
• A rigorous, disciplined, and hands-on professional with a strong sense of ownership and accountability. • Comfortable operating in a scaling organisation where structure and coordination become increasingly important. • Technically fluent in credit risk concepts, portfolio metrics, concentration analysis, and performance monitoring. • Confident challenging data, assumptions, and narratives in a constructive, commercially grounded way. • Highly organised, with strong execution and stakeholder management skills. • Credible and composed when engaging with senior management and external counterparties. • Around 5 years’ experience in a numerate, analytical, or risk-focused role (e.g. credit risk, finance, consulting, audit, analytics, operations). • Experience across one or more consumer lending products such as Unsecured Personal Loans (UPL), BNPL, Mortgages, or Auto finance. • Experience producing, reviewing, or owning MI in a multi-product or multi-channel environment. • Familiarity with credit risk performance metrics, portfolio monitoring, concentration analysis, and performance triggers. • Experience working with internal risk limits and/or external covenants, triggers, or funding-related reporting. • Strong written and verbal communication skills, with the ability to present complex topics clearly to senior audiences. • Does not need to be a deep data scientist, but must be comfortable working closely with data scientists and getting into the detail where required.
Responsibilities
• Support the CRO in overseeing credit and product risk management across multiple products, channels, and geographies. • Own and oversee the completeness, accuracy, and clarity of credit risk management information (MI) across the business. • Define and maintain standardised credit risk reporting frameworks, metrics, and definitions to ensure consistency and comparability as the business scales. • Coordinate inputs from product, underwriting, and data science teams into a single, coherent cross-product risk narrative. • Provide clear, structured credit risk updates into Product Steering Committees and Monthly Product Forums. • Oversee the monitoring and reporting of key credit performance triggers and concentration metrics. • Ensure adherence to internally defined risk limits and externally defined triggers arising from funding arrangements. • Identify and assess risks arising from new products, features, or geographies, and ensure appropriate monitoring is in place. • Proactively identify emerging risks or concentrations and ensure timely escalation and remediation. • Lead programme management for audits, funding due diligence, and other external reviews. • Act as a key point of contact for funders, auditors, lawyers, and advisors on credit and product risk reporting.
Benefits
• Take ownership of a critical role supporting Abound’s continued growth and expansion into new products and markets. • Work closely with the CRO, senior leadership, product teams, and external stakeholders. • Help shape scalable, best-in-class credit and product risk reporting and governance. • Operate in a high-trust role with real responsibility, visibility, and impact. • Everyone owns a piece of the company – equity. • Hybrid working with 3 days a week in the office. • 25 days’ holiday a year, plus 8 bank holidays. • 2 paid volunteering days per year. • One month paid sabbatical after 4 years. • Employee loan. • Free gym membership. • Team wellness budget to be active together – set up a yoga class, a tennis lesson or go bouldering.
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