Credit Manager

Recruiter
Heyland Recruitment
Location
Chester, UK
Salary
Competitive
Posted
16 Sep 2019
Closes
02 Oct 2019
Ref
1265810597
Sector
Accountancy
Contract Type
Permanent
Hours
Full Time
Heyland Finance are pleased to be working exclusively with a growing specialist lending business based in Chester who are currently looking to attract a high calibre Credit Manager into the team. The role reports directly into the Operations Director & is responsible for shaping the direction & strategy of the Credit Team. High-profile in nature the role will be responsible for helping set a measurable risk appetite for the business in the process developing, implementing the credit policy in line with the risk appetite of the business.

Specific duties & responsibilities include:
  • Define & develop a measurable metric that articulates the risk appetite of the business
  • Monitoring the performance of credit decision against the risk appetite and escalate any issues appropriately
  • Annual review Risk appetite & gain appropriate approval
  • Explore, develop and recommend the use of new data and insights in the credit policy and processes
  • Continuously review & improve the policies and processes to ensure that they remain relevant and appropriate based on emerging trends and the changing industry & economic environment
  • Organise & Chair all Credit Committee meetings, ensuring all decisions and action are documented & implemented
  • End to end ownership of the credit decision process, ensuring that is it fit for purpose, followed by all and gaps and improvements are highlighted and addressed
  • Develop and gain approval of appropriate SLA's for the team and manage them against them to ensure that all credit decisions are processed in a timely fashion
  • Ensure that the quality of decisions and documentation meets the high expectations of the business via regular QA and feedback to team members
  • Help with the hiring, training, developing and mentoring of staff within the Credit Decisioning team and the wider operations function
  • Support cross functional and cross company projects where required, through individual contribution and delegation within team


Person requirement:
  • Team management & leadership experience (2 years+)
  • Experience and detailed understanding of Credit Reference Agency data and alternative data sources with regards to their use in credit decisioning and account management activity
  • Proven track record working with statistical risk scorecards and understanding of statistical model building, model degradation and variable level reporting
  • Sound knowledge Business to Business lending & asset back credit products
  • Proven track record of being able to communicate and influence at all levels across the business
  • Good working knowledge of Microsoft Office and similar applications
  • Ability to prioritise not only individual but also team's workload with a fast paced changing business environment

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