Permanent - Kind Consultancy

Head of Credit Risk

19 June 2025

Kind Consultancy is working with a succesful, growing alternative Financial Services business which is currently seeking a Head of Credit Risk to join them in a full-time, permanent role primarily based in their West Midlands offices, paying a competitive annual salary.

The Head of Credit Risk will lead and manage the Credit Risk function, , ensuring effective identification, assessment, mitigation and reporting of credit risk across all portfolios, including horizon scanning and emerging risks, with key responsibilities including:

Developing Credit Risk and Treasury Credit Risk Strategies – establishing a comprehensive credit risk framework, including policies, procedures, risk appetite and KRIs.
Ensure the Credit Risk framework is up to date, reflecting the current economic climate and feedback from Credit Underwriting, and balancing risks with growth ambition
Overseeing of credit risk assessments across lending portfolio, ensuring appropriate risk grading and impairment provisioning
Working with the Finance, Treasury and Regulatory Reporting teams, providing credit expertise to refine models and assumptions used for capital allocation, stress testing and financial reporting.
Leading and managing the Business Restructuring Team; managing deteriorating credit risk connections within appetite, protecting the organisation’s exposure and agreeing work-out strategies to minimise the risk of loan impairment/loss
Conducting appropriate sector/portfolio reviews; managing the credit risk portfolio, identifying and mitigating emerging risks and trends, performing horizon scanning
Ensuring compliance with relevant credit risk regulations and guidelines (including those issued by PRA, FCA & LSB)
Fostering a culture of risk awareness and accountability
Building and maintaining effective relationships with relevant stakeholders (internal and external), including regulators, internal and external audit
Raising credit risk and stewardship awareness and knowledge.
Completing monitoring and thematic reviews of credit and relevant risks (e.g. impact, reputation, PII) across the organisation and relevant third parties
Sample checking of loan applications; providing assurance of operating within policy/limits
Providing MI to the Board Risk Committee and Credit Committee
Representing Credit Risk Management at relevant Risk Committees
Providing regular, accurate credit risk reports to CRO and relevant Committees.
Supporting and/or standing in for CRO at Board Risk Committee, presenting view on credit risk performance and trends.

Our ideal candidate for the Head of Credit Risk opportunity:

Must have extensive experience of Credit Risk assessment within UK banking
Demonstrates a strong understanding of credit risk frameworks, policies, methodologies and regulation
Has a proven ability to implement credit risk frameworks and monitoring
Displays strong knowledge and experience of work-out strategies and turnaround (recovery) of problem debt cases
Has strong analytical and problem-solving skills, pragmatic and excellent communication skills.
Is an excellent communicator, able to interface with a variety of audiences
Holds a relevant professional qualifications (e.g. CICM) and/or has 10+ years of experience in a Credit Risk/Commercial Leadership role.
Has experience of dealing with Board/regulators/internal and external audit

If you have the necessary skills, knowledge and experience, are based in or can commute to the West Midlands and are interested in the Head of Credit Risk opportunity, please apply with an updated CV today.

Compliance Officer

19 June 2025

Kind Consultancy is working with a well-established, award-winning IFA firm which is currently seeking a Compliance Officer to join their Hertfordshire offices in a full-time, permanent role paying £40,000 – £50,000 dependent on experience, with a hybrid work model requiring 3 in-office days per week.

Reporting to the Operations Manager, the Compliance Officer will support the Compliance function, ensuring the business is fully compliant with both internal and external policies and regulations, with key responsibilities including:

Overall management of regulatory risk
Building and maintaining a constructive and open dialogue with the FCA and other relevant authorities, ensuring that any regulatory reports or enquiries are handled appropriately and promptly.
Overseeing the review and development of existing products and services.
Collaborating with all business areas to find compliant solutions to business problems.
Overseeing any necessary remedial action arising as a consequence of regulatory risk
Overseeing regular auditing to ensure compliance with FCA regulations
Maintaining up-to-date awareness of regulatory developments
Assisting the Operations Manager to enable the provision of advice and guidance on all aspects of compliance
Responding in a timely basis to any requests for information from regulatory bodies.

Our ideal candidate for the Compliance Officer opportunity:

Is currently working in or has previously held a similar Compliance role within Financial Services – ideally with exposure to IFA work
Has a background in Financial Services administration support work, with experience of file checking and reviews
Is detail-oriented, able to maintain accurate records with consistently excellent attention to detail
Is professional and discrete, able to confidently, regularly handle highly confidential work
Is a self-starter with Project Management skills
Holding a Compliance or other Financial Services qualifications or working towards them would be desirable.

If you have the necessary skills, knowledge and experience, are based in or can commute to Hertfordshire and you’re interested in the Compliance Officer opportunity, please apply with an updated CV today.

Head of Underwriting and Credit Risk

18 June 2025

Kind Consultancy is working with a rapidly growing Electronic Money Institution who are currently seeking a Head of Underwriting and Credit Risk to join them in a full-time, permanent role in their central London office, paying £100,000 to £140,000 dependent on experience.

The Head of Underwriting and Credit Risk will be a core position in the client onboarding process, with key responsibilities including:

Strengthening, and where applicable, designing underwriting practices.
Reviewing new and current clients in various business sectors.
Analysing business models, ownership setups, and financial info to get a clear view of risk.
Conducting proficient analysis of P&L, balance sheet and cash flow statements of Platform models.
Spotting and escalating any financial crime or regulatory red flags
Partnering with the Compliance division to make sure that AML, CTF, and regulatory responsibilities are being fulfilled.
Preparing (and reviewing) clear and concise summaries for internal stakeholders and risk committees, including identifying mitigants and making balanced recommendations for each client
Maintaining an up-to-date awareness of the client risk landscape and assisting with regular reviews

Our ideal candidate for the Head of Underwriting and Credit Risk position:

Has strong knowledge of merchant verticals and experience in acquiring new merchants within payments
Has 5 or more years of experience in underwriting, onboarding, or risk — ideally at an EMI, PSP, bank, or fintech
Has a strong grasp of how the payments ecosystem works and the risks involved
Is familiar with UK regulations (FCA rules, AML, KYC, etc.)
Is confident in reading financials and dissecting business models and ownership structures
Is detail-oriented with strong analytical and decision-making skills
Demonstrates a strong understanding of financial statements, business valuations, and credit risk
Is a highly analytical team player who loves to evaluate financial and business risks.
Displays great communication skills, with the ability to explain your findings clearly and concisely
Has a self-starter mindset—comfortable working in a fast-moving, ever-changing environment
Has the experience, credibility and skills to lead and mentor a team of underwriters
Candidates having experience of underwriting high-risk sectors, knowledge of Visa and Mastercard Rules and Regulations, holding a Compliance or Risk certification and having knowledge of tools like Sumsub, WorldCheck, Webshield would be highly desirable.

If you have the necessary skills, knowledge and experience, are based in or can commute to London and are interested in the Head of Underwriting and Credit Risk opportunity, please apply with an updated CV today.

Business Risk and Controls Manager

17 June 2025

Kind Consultancy is working with an established and still-growing alternative Financial Services business which is currently seeking a Business Risk and Controls Manager to join them in a full-time role paying up to £70,000 with a hybrid work model based out of their Birmingham office.

Reporting to the Head of Business Risk, key responsibilities of the Business Risk and Controls Manager will include:

Leading and coordinating first-line risk sampling and control assessment activities to ensure efficient and insightful execution.
Assisting business units in achieving and maintaining compliance with the organisation’s RCSA framework.
Acting as a trusted advisor and subject matter expert to business teams on Operational Risk matters.
Providing coaching and support to develop team knowledge and confidence in Risk Management practices.
Identifying areas for improvement in risk controls and collaborating with teams to implement effective mitigation strategies.
Contributing to the continual enhancement of the organisation’s non-financial risk profile through proactive engagement and feedback loops.
Monitoring and reporting on risk themes, incidents, trends and control effectiveness to senior stakeholders.
Promoting a strong risk culture across the organisation, fostering a shared sense of ownership and accountability.
Ensuring, through monitoring, that appropriate levels of sampling are undertaken across the business, directly undertaking the sampling as agreed upon with the Head of Business Risk or the Executive Committee.
Acting as secretary to the Operational Risk Committee.
Providing regular reporting on outcomes, trends, recommendations, and risk profiling to committees as appropriate.
Periodically reviewing the Incidents with the second line.

Our ideal candidate for the Business Risk and Controls Manager opportunity:

Has proven experience in Operational Risk management within Financial Services.
Demonstrates a strong understanding of risk control frameworks, including RCSA, control testing, and issue management.
Displays excellent analytical skills and attention to detail, with the ability to interpret risk data and develop actionable insights.
Is a confident communicator with the ability to influence and engage stakeholders across different levels.
Has excellent knowledge of risk management policies and procedures, and of Business, Commercia and Corporate banking customers.
Demonstrates an extensive understanding of Operational Risk Frameworks, policies and procedures.
Has operational knowledge of bank processes and key regulatory/legal issues.
Is analytically minded with a problem-solving approach
Holding a relevant qualifications in risk management or compliance would be highly desirable (e.g., IRM, PRMIA, GARP, ICA)

If you have the skills, knowledge and experience we’re looking for, you’re based in or can commute to Birmingham and you’re interested in the Business Risk and Controls Manager opportunity, please apply with an updated CV today.

Financial Crime Analyst

5 June 2025

Kind Consultancy is working with an established, growing property finance business based in Kent which is currently seeking a Financial Crime Analyst to join them in a full-time, permanent role paying £39,000 – £42,000 dependent on experience with a hybrid work model requiring 4 in-office days per week.

The Financial Crime Analyst will provide guidance and support to the business in all aspects of anti-money laundering controls, processes and training, with key responsibilities including:

Reviewing and assessing all aspects of the AML control framework, recommending changes and helping provide strategic direction on all AML related matters;
Carrying into effect projects and actions highlighted by the previous MLRO Annual Report and working towards production of the next annual Report;
Advising on and reviewing the level of CDD and EDD on live mortgage application cases;
Taking ownership of policies, reviewing processes and monitoring their implementation;
Designing and providing training and awareness programmes across the business;
Reviewing and enhancing the business-wide AML/Financial Crime risk assessment;
Advancing the organisation’s ability to risk rate their customer book;
Providing regular management information on AML and Financial Crime;
Conducting horizon scanning of regulatory and legislative changes in AML/CDD/PEPs and Sanctions and related areas – providing comment and advice to the business;

Our ideal candidate for the Financial Crime Analyst opportunity:

Has an excellent understanding of AML regulation and guidance and requirements in practice;
Works well on their own initiative while being aware of business needs and priorities;
Is able to to prioritise and coordinate action plans with multiple stakeholders;
Demonstrates good project management skills;
Handles sensitive and confidential information with discretion;
Displays consistently strong attention to detail and accuracy;
Has excellent IT skills (proficient in Microsoft Word, Excel and PowerPoint);
Demonstrates excellent interpersonal and organisational skills and written and verbal communication skills including proofreading
Having some existing knowledge of mortgages and property finance would be desirable

If you’re interested in the Financial Crime Analyst opportunity, please apply with an updated CV today.

Paraplanner

27 May 2025

Kind Consultancy is working with a fast growing, national Financial Adviser organisation which is currently seeking a Paraplanner to join them in a full-time, permanent role paying £40,000 to £45,000 based on experience. The role can be based in their Lincolnshire, Merseyside or Berkshire offices, with a hybrid work model requiring 2 in-office days per week.

Key responsibilities of the Paraplanner role will include:

Accurately preparing suitability reports and letters to target deadlines
Undertaking comparative research in preparation of client recommendations
Completing technical research as part of the existing arrangement review process
Ensuring all client work is compliant and supported with relevant paperwork
Performing tax planning analysis
Producing and analysing cashflow modelling
Understanding clients’ overall financial position from Independent Financial Adviser (IFA) fact-finds
Discussing client objectives with the relevant IFA, identifying and obtaining necessary client information to prepare the required suitability checks
Ensuring all client queries are appropriately investigated and accurate responses given
Conducting annual reviews in line with service level agreements.
Delivering good client outcomes, comply with the relevant compliance, terms and conditions, and financial crime procedures (anti-money laundering, data security, anti-bribery, fraud, and corruption) of the firm at all times.
Keeping up to date with all relevant product, legislative, and technical changes.
Ensuring relevant continuing professional development (CPD) is maintained and recorded accurately

Our ideal candidate for the Paraplanner opportunity:

Must be Level 4 Diploma qualified
Is proficient in all Microsoft Office programs, especially Excel and Word
Has strong written and verbal communication skills, including excellent telephone manner
Is highly organised, with good planning and time management skills
Is accurate in all work, with consistently strong attention to detail

If you’re interested in the Paraplanner opportunity, have the necessary skills and qualifications and can commute to one of the three listed office locations, please apply with an up-to-date CV today.

Loans Advisor

15 May 2025

Kind Consultancy is working with a leading loans company which is seeking a Loans Advisor to join their South Yorkshire office in a full-time, permanent role paying up to £31,000 with an annual OTE of £38,000.

Key responsibilities of the Loans Advisor position will include:

Delivering high quality professional advice
Conducting full and thorough fact finds over the telephone to identify client needs.
Utilising information provided to recommend bespoke solutions and offer expert advice to meet customer needs based on their specific circumstances in a compliant manner.
Acting as the case manager, packaging the application through to completion, including reviewing supporting documents and verifying accuracy.
Analysing applicant’s credit history and financial information to assess eligibility, identifying loan risk, and requesting additional information as necessary.
Assessing every customer on their individual circumstances and the evidence presented, to ensure good Consumer Outcomes.
Documenting a thorough suitability summary which explains the advice provided, factoring in the customer’s needs, objectives, and circumstances.
Maintaining compliance with regulatory standards, company policies, procedures, and guidelines.
Building customer relationship by understanding their needs and requirements.
Providing exceptional customer service ensuring a positive experience throughout the loan process.
Keeping up to date with market knowledge, staying informed about the latest loan products, industry trends, and regulatory requirements.

For the Loans Advisor role, we’re looking for candidates who:

Are passionate about developing a “can do” culture to optimise output, performance, and customer outcomes.
Demonstrates outstanding communication skills and strong organisation skills, with excellent time management and the ability to prioritise task in a fast-paced environment.
Have the confidence to effectively question and challenge lender requirements.
Holding CeMAP would be desirable but is not essential

If you have relevant experience, are based in South Yorkshire and are interested in the Loans Advisor position, please apply with an updated CV today.

Mortgage Collections Officer

9 May 2025

Kind Consultancy is working with a well established retail Financial Services business which is currently seeking a Mortgage Collections Officer to join their Mortgage Collections team in a full-time, permanent role with a hybrid work model (following a fully in-office training period) based out of their offices in the Nottingham area.

Reporting to the Mortgage Collections Team Leader, responsibilities of the Mortgage Collections Officer will include:

Acting as a Vulnerable Customer Specialist
Processing mortgage payments and redemptions
Undertake quality assurance checks of mortgage completions, retention of business completions and scanning
Handling arrears accounts, maintaining regular contact and providing support to customers where possible
Exercising a personal mandate in accordance with Company procedures
Reviewing concession requests and contract variation requests, providing accurate recommendations
Carrying out the unpaid Direct Debit process on a monthly basis
Producing quarterly arrears statements and 2 month+ arrears letters in line with regulatory requirements
Handling complaints as they arise in line with Company Policy & Procedures
Processing changes to customer accounts through the system and ensuring records are up to date

Our ideal candidate for the Mortgage Collections Officer opportunity:

Has previous experience of Collections and/or Arrears work – ideally 1+ years
Being CeMAP qualified with with a good knowledge of Mortgages and current Mortgage Lending legislation would be highly desirable
Must have experience of work within a regulated Financial Services environment
Is educated to A Level standard, holding 5 or more A-C GCSEs (or equivalent)

If you’re interested in the Mortgage Collections Officer opportunity and you have the skills, knowledge, experience and qualifications we’re looking for, please apply with an updated CV today.

Credit Underwriter

2 May 2025

Kind Consultancy is working with a succesful alternative Financial Services business which is currently seeking a Credit Underwriter to join them in a full time role paying up to £60,000 with a hybrid work model requiring 1 day per week in their West Midlands offices.

The Credit Underwriter will assess and analyse lending and settlement applications, authorising applications in accordance with discretionary lending authorities and within the organisation’s Risk Management framework and Risk Appetite statements, with key responsibilities including:

Assessing, authorising and monitoring lending within delegated discretion, as outlined in the Commercial Credit Risk Policy and procedures.
Assessing and monitoring lending propositions outside own lending discretion, presenting recommendations to the Head of Credit Risk and Board Risk Committee.
Managing the organisation’s problem debt connections within procedures in order to protect outstanding loans, agreeing work-out strategies with the Head of Credit Risk as appropriate, to minimise the risk of loss.
Supporting other colleagues in Credit Risk, ensuring that all colleagues are fully trained, performing to role requirements and are aware of all regulatory and compliance controls.
Contributing to an environment of continual improvement and encourage recommendations for change.
Ensuring that credit risk activities are conducted in accordance with policies and procedures, and that all regulatory requirements are met.
Monitoring all lending and risk assets and delivering agreed management information including risk assessment reporting to the Audit and Board Risk Committee.

Our ideal candidate for the Credit Underwriter opportunity:

Is ACIB qualified with knowledge of Commercial and Corporate banking.
Has a good track record in credit financial analysis & decision making across all asset classes in commercial or corporate lending.
Demonstrates sound credit judgement gained through experience of holding substantial discretionary lending authorities in excess of £1million
Is able to make robust and difficult lending decisions including knowing when to decline lending proposals.
Has very strong operational knowledge of bank processes and Financial Services regulations
Is familiar with banking technology, payment systems and processes, telephony etc
Has good knowledge of risk management policies and procedures
Has Relationship Management experience, preferably with exposure to problem debt
Has previously worked with treasury instruments/products
Is highly numerate, with well developed problem solving and analytical skills

If you have the necessary skills, knowledge and experience, are based in or can commute to the West Midlands, and are interested in the Credit Underwriter opportunity, please apply with an updated CV today.

Recruitment Consultant

1 May 2025

Kind Consultancy is the Midlands’ leading Financial Services & Banking recruitment agency, dedicated to specialist roles within Banking & Financial Services. In the decade since Kind Consultancy was founded, we have built a reputation for harnessing our industry knowledge to deliver tailored recruitment and executive search results to our clients, continually growing our customer base through our commitment to outstanding customer service. Now, we work with the biggest global banks, new Fintech start-ups and organisations of every size in between, connecting businesses to game-changing talent faster and more efficiently than any generalist recruiter.

We have an outstanding company culture and have been certified by, as well as being one of the inaugural recipients of, the People’s Platform Award – an award recognising companies that meet verified benchmarks for their commitment to fostering an employee-centric company culture.

As part of our ongoing success and growth, we’re now looking for a Recruitment Consultant, ideally, one who has previous experience working on Financial or Professional Services roles, to join us in a permanent, full-time role with a hybrid work model requiring 3 days per-week in our Lichfield office. Previous Financial Services exposure is not essential, what we’re looking for is 12 months of Recruitment experience and the professionalism and communication skills needed to maintain the above-and-beyond customer service and client care that Kind Consultancy is known for. This is an active interim desk with regular roles coming in from Financial Services and Banking clients and you will be expected to develop account management experience and the ability to bring on new clients using strong business development skills.

Our head office is in Lichfield, but our client base includes organisations all over the world

What can Kind Consultancy offer you?

Excellent salary
Market-leading uncapped bonus scheme
Company Pension
Healthcare
Life Assurance
2 days per week Working From Home
25 days holiday + bank holidays
Early finish on Fridays
Quarterly and Annual incentives and trips

We will also:

Provide ongoing training on both recruitment techniques and industry knowledge.
Provide full administrative support.

We have a collaborative culture that you will become part of. Our team works together, helping each other and pushing each other to achieve all that we can, individually and collectively. We are also dedicated to helping you succeed and develop your career further.