Senior Managers and Certification Regime (SM&CR)
The Senior Managers and Certification Regime (SM&CR) is the FCA framework that makes individuals in regulated firms personally accountable for their areas of responsibility. It aims to improve conduct and governance by making clear who is responsible for what.
For lenders, SM&CR reinforces the governance expected around credit, affordability and customer outcomes under the Consumer Duty.
Credit Canary builds senior managers and certification regime into one platform for UK lenders, with the data and decisioning behind it.
Consumer Duty readiness checkerExplore more from Credit Canary
See where your credit union stands, benchmarked, in two minutes.
Affordability, cost of credit and Consumer Duty calculators.
Risk appetite, affordability, Consumer Duty and more.
How Credit Canary compares with other providers.
Original research on UK lending and digital performance.
See senior managers and certification regime in a working platform
Credit Canary unifies credit risk, affordability and payments for UK lenders. Book a short walkthrough.
Book a demo