Job Description

Do you want to be part of a force for good, helping to make life better for customers & society in the moments that matter?

At Hodge, we put people at the heart of our business and that means our customers, colleagues and communities. Hodge is a Welsh financial service provider that focus on real estate finance, and specialist residential mortgage markets.

We are seeking a Head of Credit Risk to be responsible for the first line Risk across the Mortgages and forward flow agreements and play a pivotal role in shaping the lending strategy of the business.

This role falls under SM&CR, and the successful person will need to be certified.

Essential Experience:

Detailed mortgage knowledge, preferably in a specialist lender Strong credit risk management knowledge and experience Demonstrable knowledge of regulatory requirements. Detailed knowledge of FCA principles

Key responsibilities will include:

Develop our credit and property policies to allow Hodge to appropriately manage its lending risks Lead credit risk analytics across Hodge's mortgage portfolio and forward flow agreements. Hodge has forward flow agreements across Buy to Let lending and motor finance. Develop and embed a robust framework to monitor the performance of our mortgage origination. Develop a suite of MI to monitor all risks across the Hodge Mortgage and forward flow portfolios. Report to Retail Credit Committee and Board on credit and property risk Provide oversight to the underwriting function through data and QA Develop strong working relationships with the Retail Executive Team and across the business to ensure an appropriate Retail Risk appetite and controls Strong knowledge of the regulatory framework and ensuring policies and processes are compliant with regulations To keep abreast of external economic and market conditions that could impact the business. Communicate complex analyses, insights and proposals clearly and effectively to both technical and non-technical stakeholders.
Please be aware that should we pursue your application, all our Financial Services employees will be expected to complete background checks to assess suitability for employment, these include; a criminal record, identity, sanctions, adverse finance, fraud prevention and reference checks to comply with our regulatory requirements.

Hodge is an advocate of being an equal opportunities employer, We believe in promoting equality and diversity which is central to our lives today. We welcome applications from all sections of the community and recognises the value a diverse workforce brings to an organisation.

ESG and sustainability are at the heart of everything we do and serves as a reminder of the responsibility we have to our stakeholders, customers, colleagues and the communities we operate in to use our position wisely. We're currently exploring different certifications available and have done an initial review of how we think we'd fare, as we see this as a real opportunity for Hodge given our social purpose.

Job Type: Full-time

Pay: From 80,000.00 per year

Additional pay:

Performance bonus
Benefits:

Additional leave Casual dress Company events Company pension Cycle to work scheme Employee discount Employee mentoring programme Flexitime Free flu jabs Free parking Gym membership Health & wellbeing programme Life insurance On-site parking Paid volunteer time Private dental insurance Private medical insurance Referral programme Sick pay Work from home
Schedule:

Monday to Friday
Work Location: Hybrid remote in Cardiff CF10 1FS

Application deadline: 31/08/2025
Reference ID: Head of Credit Risk