We’re Together. For over 50 years, we’ve helped thousands of people, businesses and professionals unlock their property ambitions with our common-sense approach to lending.

That means we take the time to understand our customers and find a property finance solution that works for them. Our door is always open, so we can often help when other lenders can’t or won’t.

Our large product suite of mortgages and secured loans gives us the flexibility to help in a wide range of specialist lending scenarios, including residential mortgages, short-term finance, buy-to-let, commercial and semi-commercial mortgages and loans, auction finance and development funding.

Based in Cheadle, Cheshire, our 750 colleagues use their expertise and industry knowledge to help our customers throughout the UK, backed by the power of a £7 billion loan book. 

As a Head of Credit Risk, you will be responsible for the second line management of credit risk for the group. You will have 3 direct reports and own and lead the development of credit risk policies and related standards as well as provide oversight and assurance to the Executive and Board that credit risk is being managed within risk appetite. 

You will also develop and provide data and reporting to support insight across the Group Risk Function and be the expert on scorecard modelling and automation for the Transformation programme across the group.

As a Head of Credit Risk, we are looking for someone to:

• Oversee, challenge and assure the first line credit risk management and reporting for credit risk across all products
• Own and develop credit risk policies and related standards for all group lending products, ensuring appropriate governance of changes and evidence of key controls
• Produce credit risk profiles for Exec and Board risk committees, working with first line to ensure all material credit risks have been identified and mitigation actions have been defined and progressed
• Use your knowledge of the industry and the macroeconomic environment to identify emerging credit risks for the business and develop forecasting models.
• Set, via the Board, credit risk appetites; identifying and managing portfolio level credit risks, key exposures and concentration risks.  

Essential

• Strong understanding of risk management principles across the credit lifecycle, credit analysis and policies
• Experience of implementing, scoring and advanced data and analytical techniques throughout the customer journey
• Experience of implementing scoring and advanced data and analytical techniques throughout the customer journey
• Experience of secured lending, particularly specialist mortgage lending
• Experience of managing and developing high performance teams
• Confidential and influential communicator to Board Level

Benefits working at Together

• 26 days holiday (increasing with service), plus bank holidays
• Buy & sell holidays
• Discretionary annual bonus
• Matched pension contribution 
• Life assurance 
• Critical illness cover
• Health cash plan 
• Private medical insurance
• Free access to company holiday homes 
• Travel season ticket loans
• Ride to work scheme 
• Free local gym access 
• Local bar / restaurant discounts 

Together embraces diversity and inclusion, and are proud to be an equal opportunity workplace. Not only do we welcome difference – we celebrate it, support it and really value our colleagues for who they are. We are committed to building a team that represents a variety of backgrounds, perspectives and skills.

We care that you have a great experience with us at Together, if you need us to make any reasonable adjustments to make your experience easier, please let us know and we’ll do all we can.

Please note that all successful applicants will undergo relevant employment reference, financial and criminal record checks.