Lending Manager - Manchester - Credit Risk
Your new company
Well know retail organisation with large financial services function
Your new role
Reporting to the Head of Lending you will develop the customer pricing strategy driving long-term profit from the organisations financial services offering.You'll be responsible for:
-Development of customer pricing strategies for UK and Ireland operations in order to;
Determine initial credit terms for accepted customers on revolving agreements Review and amend ongoing credit terms on revolving agreements
-Making significant recommendations aligned to our FS strategy and customer base, to develop and improve credit term pricing policies and processes based on in depth customer behaviour analytics
-Effective application of customer level risk scoring models within pricing strategy.
-Development of propensity models to support the pricing strategy
-Assessment of group pricing strategies to ensure they are delivering as expected and making appropriate remediation recommendations where applicable
-Determining and ongoing development of the organisations pricing strategy (credit terms) for the fixed term credit product
-Work closely with colleagues in the Buying & Merchandising teams ensuring a joined up approach to the pricing of credit products
-Leadership and development of a small team of skilled analysts
What you'll need to succeed
You should be a Financial Services professional, with demonstrable experience in Credit Risk and predictive analytics. Ideally you'll also bring expertise in credit product pricing. You should be a graduate, or equivalent, ideally in a highly analytical discipline such as Statistics, Computing or Economics.
You'll need to evidence strong technical and decision making ability together with knowledge of the external FS market and regulatory environment. Experience in strategic systems implementations is also highly desirable. You should be an advanced user of MS Excel with some knowledge of SQL and SAS. S
Strong written and verbal communication skills are essential as you'll need to build effective cross functional relationships with colleagues across the business.
You'll also need to be able to work at pace; managing a busy workload within deadlines whilst maintaining a keen eye for detail as well as a flexible and positive approach. You should be a strong people manager, with a natural coaching approach and the ability to lead and develop a team.
What you'll get in return
you'll receive a competitive salary as well as an enhanced benefits package including car allowance, market leading pension scheme, private healthcare
What you need to do now
If you're interested in this role, click 'apply now' to forward an up-to-date copy of your CV, or call us now.
If this job isn't quite right for you but you are looking for a new position, please contact us for a confidential discussion on your career.