Senior Credit Risk Manager – 12-month FTC

Job title:

Senior Credit Risk Manager – 12-month FTC

Company

The Very Group

Job description

Internal use only – Grade DAbout the roleAn opportunity has arisen for a 12-month maternity cover, starting in October, within the Credit Risk Management team. Working closely with the wider Credit Risk and FS teams, you will lead the development and monitoring of our customer management and existing account credit pricing strategies and policies.You will be a key influencer around wider decision-making impacting profitability, cash and customer outcomes with a focus on regulatory compliance. Reporting to the Head of In-Life Customers and Loss Forecasting, you will lead a team of 5 comprising of Senior Analysts and Credit Analysts.As a Senior Manager you will develop the team and ensure we are making the best use of the large amount of data available to make more informed credit lending decisions for our financial services business.Key Responsibilities:

• Development and continuous improvement of credit limit increase and decrease strategies and order authorisation strategies.
• Development and continuous improvement of the existing account credit pricing strategy.
• Lead the development & implementation of policy/strategy changes within the credit risk decision systems e.g. Strategy Director.
• Setting of the policies relating to the management of the credit strategies and the processes used by the Operational teams.
• Responsible for ensuring the systems & strategies operate within regulatory guidelines and in line with policy.
• Advocate and promote a culture of good customer outcomes in relation to all business activities with a customer lens over all policies, strategies & processes.
• Lead the development of the analysts within the team.
• Monitoring and reporting of portfolio performance against a credit risk appetite & recommendations for any potential corrective action.
• Monitor and evaluate the effectiveness of the credit strategies from a risk perspective, ensuring the delivery of expected customer outcomes and business benefits.
• Provide regular and ad hoc reports to the Credit Risk Leadership team, FS Exec, Group board and relevant business partners, in order to report performance against plan and better inform the decision making process, identifying trends, issues and solutions where appropriate.

About you

• Senior Risk professional with at least 5 years’ experience in Financial Services and a detailed understanding of the credit risk lifecycle.
• Ability to develop and implement credit strategies.
• Knowledge of risk decision systems e.g. Strategy Director, Debt Manager, Blaze etc.
• Numerate degree, with good knowledge of statistics and strong analytical skills.
• Excellent coaching and mentoring skills.
• Further qualification/professional qualification desirable.
• Understanding of regulatory and industry guidance & best practice in relation to both risk management and business conduct.
• Expert knowledge of data analysis tools e.g. SQL, SAS, Excel (Advanced), Teradata.
• Experience of building outstanding business relationships across a corporate business, demonstrating the ability to really influence decisions.
• Intellectually curious, with a highly analytical mind and a strong appetite for learning new techniques.
• Ability to deal with complexity and communicate complex concepts and analytics to a non-technical audience.

How to applyPlease note that the talent acquisition team are managing this vacancy directly, and if successful in securing this role, you will be required to undertake a credit, CIFAS, Right to Work checks and if a specific requirement of your role a DBS (criminal records) check. Should your application progress we require you to let the team know if there is anything you need to disclose in relation to any of these checks prior to them being undertaken, including any unspent criminal convictions.What happens next?Our talent acquisition team will be in touch if you’re successful so keep an eye on your emails! We’ll arrange a short call to learn more about you, as well as answer any questions you have. If it feels like we’re a good match, we’ll share your CV with the hiring manager to review. Our interview process is tailored to each role and can be in-person or held remotely.You can expect a two-stage interview process for this position:1st stage – An informal 30-minute video call with the hiring team to discuss your skills and relevant experience. This is a great opportunity to find out more about the role and to ask any questions you may have.2nd Stage – A one-hour formal interview where you can expect both competency and technical questions. This can be held either in-person or remotely.As an inclusive employer please do let us know if you require any reasonable adjustments.If you’d like to know more about our interviews, you can find out .Equal opportunitiesWe’re an equal opportunity employer and value diversity at our company. We do not discriminate based on race, religion, colour, national origin, sex, gender, gender expression, sexual orientation, age, marital status, veteran status, or disability status.We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation.

Expected salary

Location

Liverpool

Job date

Sat, 13 Jul 2024 22:15:27 GMT

To help us track our recruitment effort, please indicate in your email/cover letter where (hiring-jobs.com) you saw this job posting.