Job Title: Head of Credit Risk

Location:  Solihull - Hybrid 2 day’s office

Hours:  Permanent-Full Time


A bit about us: 

At BNP Paribas Personal Finance, we’re part of a global bank and are proud to be a Top Employer UK, providing a great place to work in an open and inclusive environment.  

We’re here to provide simple and straightforward consumer finance solutions and we work with many well-known retailers and brands to help their customers finance their purchases in a responsible way. 

We care about making a positive impact for our colleagues, customers, partners and the wider community. That’s why we live by our values of we're positive, we’re brave and we own it. 

The Role:

As Head of Credit Risk for our partner, you will be responsible for Risk strategy on the partners’ portfolio which is one of the largest in the business. You will be required to drive forward initiatives working very closely with the business unit and the partners’ team, by making use of the latest analytical tools and techniques. As Head of Credit Risk for our partner, you will be part of the Risk leadership team working alongside other Risk areas, the wider partners’ team and the partner themselves. There will also be significant exposure to the local management board by taking the lead on the Risk committee with the objective of finding the optimal Risk reward trade-off for the business whilst remaining compliant with regulation.

Key Responsibilities: 

  • You will own the Risk relationship with our partner, and build a strong relationship with the BNPP PF UK teams, so Risk is clearly represented and managed.
  • Manage the end to end Risk strategy for our partner, including application strategy, affordability, limit allocation, ongoing account management and Risk Based pricing.
  • You will bring new ideas to the table and drive through initiatives with the various stakeholders.
  • You will take the lead and help shape our partners’ Risk Committee, ensuring the right metrics are followed and initiatives are presented.
  • You will provide guidance, support and coaching to the more junior partner Risk team members, facilitating their development.
  • Maintain a high level of motivation by delivering results through modelling and analytics ensuring focus in the right areas.
  • You will provide effective personal contribution to the sharing of knowledge, ideas and information relating to Credit Risk management and portfolio optimisation.
  • Seek and share good practice and knowledge to support continuous improvement.
  • You will review existing strategies and practices, understand business problems and working with colleagues to scope out and deliver relevant analysis and modelling through to implementation.
  • Apply commercial acumen to interpret the results and produce actionable recommendations.
  • Continually identify opportunities to safely grow the retailers business without compromising credit quality and returns, proactively sharing insight on expected changes arising from new strategies & policies with stakeholders.
  • Ensure the Credit Policy is kept up to date with all latest developments

Skills & Attributes: 

  • Experience of managing and developing a team
  • Excellent communication and presentation skills
  • Experience designing, building and rebuilding risk strategies
  • Experience in SAS Base / SQL or similar programming language
  • Experience with new tools and data techniques
  • Highly Numerate with excellent analytical skills
  • Ability to liaise and work with other departments.
  • Ability to supervise and train other members of staff if needed
  • Ability to challenge the status quo
  • Able to think outside the box
  • Knowledge of scorecards and forecasting
  • Complete understanding of the consumer risk lifecycle
  • Very good knowledge of credit bureau data and products
  • Substantial experience in risk working on various financial products across a number of organisations.
  • Ideally credit card experience in limit setting and account management
  • Strong experience in Risk Management, data analytics and modelling

Could this be you? 

BNP Paribas Personal Finance believe it’s a positive attitude and passion to make things happen that matters most. 

What’s in it for you? 

As well as working for a Top Employer UK 2022 and being part of a team that changes customers’ lives, there are some excellent benefits too including - a competitive salary, a contributory pension scheme, plus life insurance and private medical insurance, not to mention the all-important 25 days holiday each year to enjoy.  There are also perks which give you fantastic discounts off eating out, cinema tickets, days out and much more.  There are also monthly awards with plenty of opportunities to win vouchers and prizes.  Learn more about what it means to be part of the BNP Paribas Personal Finance team here: BNP Paribas Personal Finance UK - YouTube or click here to learn more about careers at BNP Paribas Personal Finance: Careers (

Equal Opportunities Disclaimer

BNP Paribas Personal Finance promotes equality of opportunity and is committed to ensure that no individual is discriminated against on the grounds of age, disability, gender reassignment, marriage or civil partnership status, pregnancy and maternity, race, religion or belief, sex or sexual orientation.


Primary Location
Job Type
Standard / Permanent
Education Level
Not indicated

Pourquoi je candidaterais ?

Pour quelles raisons je rejoindrais BNP Paribas et pas une autre entreprise ?

Parce que je souhaite...

  • Et si on vous disait que travailler dans notre Groupe, ce n’est pas ce que vous croyez ? Chez BNP Paribas, on exerce une multitude de métiers qui évoluent en permanence pour être en phase avec les attentes des clientes et clients comme de la société.

  • Se sentir bien dans son job, c’est avant tout venir travailler comme on est.  C’est aussi avoir les moyens d’un bon équilibre entre sa vie professionnelle et sa vie personnelle. Deux engagements majeurs pour BNP Paribas.

  • Chez BNP Paribas, le développement de vos compétences est essentiel, pour vous comme pour nous. Et cela vous servira pour toute votre vie professionnelle.

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