Our client is a successful International company operating within the financial industry, offering unsecured loans to its customers through a combination of an online offering and established retail brands. As a result of growth, the group will be strategically positioning itself in the UK to provide its products in the UK market.
The purpose of this role is to oversee the credit portfolio performance. This team is responsible for credit analysis related to intake quality, scorecard performance, vintage performance, book performance and product and limit strategies. The role reports to the Managing Director.
5 + years in a related analytical role, preferably in an unsecured loans business. Previous managerial experience will be advantageous but not essential.
Degree in finance / mathematics / statistics / information technology or related discipline
- Data analysis and Information presentation:
Perform data analysis on request or on own initiative to evaluate the effectiveness of the credit policy or to investigate opportunities. Analysis to be presented, with findings, to stakeholders.
- Modelling and analytics
Design, build and maintain various credit related models to support the business processes. Design, implement, monitor and analyse challenger tests in order to optimise the credit policy.
- Credit reporting
Prepare monthly credit packs to ensure effective visibility of origination and other relevant information.
- Process and origination KPI monitoring
Monitor origination processes and credit related origination KPI’s to identify operational issues or changes in trends and take the appropriate action.
- Book and vintage KPI monitoring
Monitor book and vintage credit KPI’s to identify issues or changes in trends and take the appropriate action.
- Business process requirements definition
Work closely with business analysts and developers to ensure changes in the credit policy is implemented in business processes and systems.
- Data requirements definition
Work closely with business intelligence to ensure data is available in the data warehouse to support effective monitoring and analysis of credit metrics.
- Report requirements definition
Work closely with business intelligence to ensure credit reporting is available to support monitoring of the origination process.
- Credit strategy input
Provide constructive input into the credit policy and credit strategy in order to optimise book size and minimise bad debt.
- Project Management
Effective planning and prioritising of own work and that of the credit team.
- Analytical and modelling standards
Define analytical and modelling standards and best practices within team and ensure adoption thereof.
- Stakeholder Management
Ensure relevant stakeholders are involved in projects and that they are informed of progress and issues and build relationships with employees within credit, as well as in other business areas.
- Project Management
Effective planning and prioritising of own work and that of the team.
Min Technical Competence
- Advanced SAS
- Advanced Excel
- Strong data analysis skills
- Information presentation skills.
- Advanced analytical techniques and tools.
- Systems Development Life Cycle concepts.
- Strong business acumen.
- Information gathering and problem analysis
- Applying Professional / Specialist / Technical Expertise
- Creating and Innovating
- Planning and Organising
- Quality and Detail orientation