I've never seen any characters turn heretic, apart from priests.
How about these ideas, not sure about the triggers for them though:
Secret heretic
This man has begun pondering unholy falsehoods and is on the road to damnation. For now, he manages to keep this a secret.
Small loss of loyalty and piety, tiny risk of developing into "open heresy".
Open heresy
Gainsaying all that is sacred, he has openly rejected the teachings of the Holy Father.
Large loss of loyalty, chivalry(?) and piety.
Dark worship
Revealed to have practiced unspeakable acts in secret, he is now known to have bartered away his soul in exchange for mortal gains.
Total loss of loyalty, chivalry and piety. Gains dread points equal to his amount of command stars. Should be a very rare trait.
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