Credit Risk Manager

Recruiter
MERJE Ltd
Location
Blackburn, UK
Salary
Competitive
Posted
20 Aug 2019
Closes
31 Aug 2019
Ref
1239968780
Sector
Accountancy
Contract Type
Permanent
Hours
Full Time
Job Description: To manage the development and testing of the systems and strategies associated with lending, driving profitability, improving predictability and maintaining compliance.

Key responsibilities include:
  • Deliver and manage associated plans and targets to direct the development and delivery of effective Lending strategies that are aligned to the business objectives
  • Evaluating the effectiveness of the controls, scoring systems, cut offs, policy rules and referral decisions, managing each to improve the accuracy and robustness of associated models
  • Managing and evaluating Lending strategy performance against agreed targets, applying corrective actions as and when required
  • Managing, guiding and quality assessing team's 'champion/challenger' strategy modelling and impact assessment activity, implementing 'champion' strategies and ensuring each change is documented and reported
  • Managing and leading the creation of effective policies, processes and controls to support strategy development, deployment and understanding
  • Working in partnership with Ops to direct, coach and support strategy deployment
  • Working in partnership with Ops, Underwriting, FS Commercial, Marketing other Credit Risk teams to review and inform optimal strategy performance
  • Managing the robust and accurate budget, forecast and achievement of P&L
  • Creating, managing and reviewing MI reporting capabilities and reports, producing user friendly outputs for a range of stakeholders, providing insight into the performance of portfolio systems and strategies

The Person
  • Experience of working within the retail, financial services sector
  • Experience of leading and managing credit risk strategy development
  • Proven track record in effective facilitation and communication at multiple levels
  • Ability to engage and influence stakeholders at an appropriate level
  • Is analytical, pragmatic and systematic in approach to problem solving and maximising opportunities
  • Ability to manage conflict and knows when to escalate
  • Extensive experience of working and delivering in a regulated environment
  • Excellent working knowledge of financial standards and guidelines - e.g. FCA, TCF, Data Protection
  • Is delivery and customer focussed
  • Experience of managing and developing the performance of others
  • Ability to plan and prioritise effectively to meet changing priorities and demands
  • Ability to interpret data and information to highlight opportunities and minimise risk
  • Experience of risk management
  • Excellent communication and engagement skills
  • Is commercially astute

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