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Head of Credit

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  • Contact phone:

    +353 868633629

  • Published:

    8 days ago

  • Expiry date:


The Opportunity:

Phoenix is proud to be the exclusive recruitment partner for Ireland's first Digital Bank that specialises in mortgage and consumer financial products.

Reporting to the CEO, this is a great opportunity to lead the credit function of Ireland's first digital mortgage lender. The role would suit an experienced and enthusiastic professional with a record of relevant experience in retail lending who is looking for a highly visible role at the heart of our business. You'll work closely with all business stakeholders, becoming instrumental in supporting and developing our residential mortgage offering.

The Company

This revolutionary business plans to transform the mortgage banking sector by developing a digital platform that will use the latest RegTech and Data Science to assess and underwrite borrowers. As well as providing a digital platform, this business has secured a European wide Banking License and plans on developing its product portfolio over time. 


  • Lead the development and implementation of the company's credit decision systems, risk controls and all policies and procedures in line with regulatory requirements, group policies and business targets

  • Provide leadership on all credit decisions focusing on residential mortgages lending

  • Serving as the principal advisor to the CEO and Board of Directors on all issues associated with lending strategies, credit risk management, and mortgage lending Provide an independent view regarding proposed business plans and transactions and credit facilities

  • Guide teams, ensuring they follow the set policies including credit risk

  • Lead portfolio monitoring of new and existing clients Lead the production of all credit MI for group purposes providing in-depth loan book analysis

The Ideal Candidate:

  • Proven ability to lead a department - motivating management style, and formulating an effective results-driven team

  • Strong understanding of retail credit analysis and policies

  • Good understanding of retail credit risk management principles

  • Practical experience of the evolving regulatory guidelines in the residential mortgages space

  • Possess strong problem solving skills (hypothesis-driven thinking, analytical, quantitative, conceptual skills)

  • Experience in assessing capital adequacy and monitoring liquidity

  • Driven to constantly question the status quo, test new tools and ways of thinking, measure the results, and learn from the experiences