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Credit Risk Manager

Employer
Page Personnel HR
Location
UK
Salary
Competitive
Closing date
30 Jun 2022

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Sector
Accountancy
Contract Type
Permanent
Hours
Full Time
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Page Personnel are recruiting for a Credit Risk Manager to join an innovative global business in Manchester City. Offering £50K salary + car allowance + bonus!! Ideally looking for someone with SQL and Python experience. The client is open to candidates who are looking for a step up in their career.

Client Details

Our client is a global innovative business located in Manchester City. The business is thriving and constantly expanding therefor they are seeking a Credit Risk Manager to join their team. Offering hybrid/flexible working.

Description

Your duties will include, but not restricted to:
  • Manage and assist with consumer credit risk projects.
  • Actively manage consumer credit strategy to manage accept, refer and decline rates, whilst managing credit policies, decision engine rules and credit strategies.
  • Manage consumer on-boarding eligibility criteria ensuring it is at the optimum level whilst maximising growth and minimising churn.
  • Manage consumer upgrade and additional subscription eligibility criteria and processes ensuring it is at the optimum level whilst minimising churn.
  • Own and manage all aspects of consumer and B2B credit bureau data loading to ensure we comply with FCA and SCOR responsibilities.
  • Identify risks from new and existing propositions to ensure the risk to the business is minimal, and ensure all required reporting to analyse is adequate.
  • Provide consumer project support to all projects
  • Manage consumer referral rate to ensure that the order journey is interrupted only where necessary and that calls can be answered within SLA.
  • Work with third parties to implement processes for automation and optimisation.
  • Support the Head of Credit Risk and Fraud daily and with any further ad-hoc requirements.
  • Provide analysis and insight to identify and mitigate consumer and B2B risks in the business.
  • Undertake complex analysis of large datasets to suggest improvements to revenue on a risk reward basis.
  • Evolve current reporting to ensure the business is maximising all available information to drive the business forward.
  • Manage relationships with both internal and external suppliers
  • Work closely with internal stakeholders to understand and share opportunities to maximise growth.
  • Understand the calibre of applicants that apply to TM and measure against the market share.
  • Build capability to monitor and analyse scorecard performance to ensure that accept rate is at the optimum level.
  • Champion challenge, test and activate new rulesets within the credit decisioning system.
  • Analyse risk score assessment to ensure fit for purpose and is assessing risk effectively.
  • Manage decline messages and customer experience for customers who are not successful with TM and assess the opportunities available to offer to customers.
  • Work alongside Fraud Manager to jointly understand customer failure points and optimise these where possible to maximise growth.

Profile

To be considered for this role:
  • Experience within a senior analyst/manager role (within credit risk)
  • Ability to work with and influence a diverse range of stakeholders from across the business and third-party suppliers
  • Excellent analytical skills
  • Excellent communication skills both verbal and written
  • Customer focused
  • A keen eye for detail with the ability to spot issues and a determined approach to resolution
  • Strategic thinker with the ability to foresee, map and deliver long term goals and manage debt direction.
  • Pro-active and adaptable approach to change in a fast-moving environment with a positive solution driven approach to new challenges
  • Strong Understanding of the Credit Risk lifecycle
  • Hands on experience using MS SQL and R/Python/SAS/Excel
  • Knowledge of Power BI/Tableau
  • CICM qualified (desirable)

Job Offer
  • £50K salary
  • car allowance
  • bonus
  • hybrid/flexible working
  • progression opportunities
  • many more..
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