HEAD OF CREDIT SKILLS, EXPERIENCES, AND JOB REQUIREMENTS
Published: Apr 23, 2025 - The Head of Credit brings deep expertise in secured and unsecured lending within financial institutions. This role requires leading credit teams, managing scorecard strategies, and exercising substantial credit authority. The head must also leverage strong technical skills in data management and Agile development to engage effectively across all levels.
Essential Hard and Soft Skills for a Head of Credit Resume
- Credit Strategy
- Risk Assessment
- Data Analysis
- Underwriting Optimization
- Credit Management
- Policy Development
- Credit Analysis
- Impairment Forecasting
- Stress Testing
- Regulatory Compliance
- Team Leadership
- Stakeholder Collaboration
- Agile Execution
- Project Coordination
- Problem Solving
- Team Management
- Stakeholder Engagement
- Customer Support
- People Development
- Change Management
Summary of Head of Credit Knowledge and Qualifications on Resume
1. BA in Risk Management with 8 years of Experience
- Experience managing in a global and matrixed environment including managing cross-functional areas with direct and indirect reports
- Extremely strong in understanding of payment products, underlying profitability metrics and impact of rewards/ product metrics on product profitability
- Keen understanding of the implications of rewards pricing on the profitability of the cards and loans business
- Understanding of how to generate value from partnerships and to evaluate the same to be able to drive growth in issuing sales for the bank
- Strong in partner management and managing key cobrand partners and key relationships
- In-depth knowledge of industry and competitor products/services
- Proven experience dealing with Trade Credit Insurance or Trade Finance
- Sales experience or a new business focus
- Proven ability to deliver on agreed business targets
- Proficient in Word and Excel and knowledge of PowerPoint
- Experience leading and managing a credit function within a fast-growth consumer lending business
2. BA in Economics with 5 years of Experience
- Experience with international banks with direct lending
- Excellent English spoken and writing skills with access to regional market intelligence
- Able to be a team player and a leader and with substantial experience in managing teams
- Strong project management skills and the ability to translate desired business concepts into actual processes for implementation
- Strong power of articulation and presentation, both in the preparation of policies and presentation of the same to Senior Management
- Proven ability to understand and meet clients’ needs with strong customer service and relationship-building skills
- Outstanding oral and written communication skills
- High level of professionalism and reliability and an ability to work with minimal guidance
- Experience with Loan Origination, Credit Risk Management, Credit Underwriting, Loan Underwriting, Lending Policies, Loan Review, and Credit Terms
- Strong analytical skills with high attention to detail and accuracy
- Previous exposure to statistical and machine learning packages (i.e., pandas, numpy)
3. BA in Financial Planning with 2 years of Experience
- Proficiency in modern Finance Technologies, i.e., Automation, ML and sophisticated credit-related technologies
- Successful track record in an international, fast-paced, matrixed corporation
- BPO experience and prior experience in Business integrations
- Ability to build effective relationships with clients, colleagues, senior management, organisational stakeholders and external agencies
- Understanding of community development principles and practices
- Strong knowledge of credit card origination strategy and channels
- Working experience in Consumer Lending/Credit Card
- Deep knowledge of credit underwriting strategy and model development
- Understanding of the Credit Card market and business models
- Strong network for origination, hiring, partners, vendors, etc
- Previous working experience in Fintech/Start Up
4. BA in Quantitative Finance with 4 years of Experience
- Substantial Credit Risk Management experience within a banking or financial services organisation
- Deep knowledge of mortgage lending with proven ability to assess credit quality and make good underwriting decisions
- Demonstrated pragmatic approach with sound understanding of responsible lending obligations
- Experience in or an evident passion for Fintech
- Strong communication skills and a relentless desire to do whatever it takes to do the job well
- Overwhelmingly positive attitude, with demonstrated ability to focus on and take ownership for both personal and team results (e.g., quality, deadlines, process improvement, etc)
- Ability to thrive and grow in a fast-paced agile environment
- Knowledge of industry best practice, legislation and regulation relating to credit and retail financial activities
- Track record of implementing and maintaining successful credit risk strategies and policies, including technical skills in credit risk modelling and scorecard development
- Strong credit technical background with an independent mindset, ability to create, lead and implement simple, elegant solutions within a short period
- Excellent leadership, interpersonal, analytical and problem-solving skills
- Work experience in Financial services with experience working in a successful regulated retail banking environment
5. BA in Business Economics with 3 years of Experience
- Excellent analytical and mathematical skills
- Ability to critically analyse to a significant level of detail
- Progressive experience in credit-related positions with banks or financial services firms
- Demonstrable experience in unsecured and secured lending environments
- Proven ability to develop, implement and manage scorecard strategies and related processes
- Evidence of a substantial delegated credit authority
- Extensive credit-related experience in managing underwriting and collections teams
- Ability to manage a team of employees with a broad range of experience and technical skills
- Ability to engage at all levels, up to and including the Board
- Strong knowledge of application development processes, DevOps, and Agile methodologies
- Strong knowledge of data management and database development technologies and processes including logical data modeling techniques
- Solid knowledge of design patterns and refactoring concepts