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If you're passionate about providing great customer experiences and want to be part of building a winning and positive culture, then this is the role for you! My Client is looking for a Head of Lending Decisioning to lead all aspects of automated lending decisioning across the bank, including designing and implementing credit rules, building bespoke credit scorecards, assessing customer affordability systematically and avoiding non-genuine applications. You will be commercially minded, setting risk appetite and pricing approach to deliver sustainable profitable lending whilst keeping the bank safe. RESPONSIBILITIES: Design and implement consumer lending decision strategies, rulesets and scorecards Report and monitor on automated decisioning performance Own risk-based pricing model and approach Feedback performance observations and suggest improvements to the wider consumer lending team, including manual underwriting team, collections and customers services Assist the finance team with the development of IFRS 9 modelling and provisioning Contribute to overall lending strategy and risk appetite of the bank Support the data team in the management of customer application data and the technology team with the ongoing management of the decisioning engine Apply the principles of responsible lending and Consumer Duty in everything you do IDEAL CANDIDATE: 5 years or more experience in a credit analytics role within regulated financial services, ideally with exposure to consumer lending Bachelor's or Master's degree in highly analytical subject (e.g. maths or statistics) Highly competent in Excel and SQL, with good working knowledge of Python, SAS or R Understanding of Credit Bureau and Open Banking data structures Ability to present, interact and articulate clearly with non-technical senior stakeholders Passion for managing and developing junior talent and spreading specialist knowledge Proven ability to use data to identify issues, tell stories and challenge others' analysis Feel free to call me on or drop your CV to All applicants must have right to work in the UK Please note, should feedback not be received within 28 days due to the large volume of applications, unfortunately, your application has been unsuccessful. However, we may be in touch with similar relevant opportunities. If you would like this job advertisement in an alternative format, please contact MERJE directly.
High profile, city centre business Excellent Benefits Package Small, supportive team. Credit Controller // Manchester // Permanent // up to £29,000 DOE Medlock are partnering with this high profile Group to recruit an experienced Credit Controller to join a small, friendly team of professional colleagues. The role is office-based 4 days, with one day working from home, and there is some flexibility around their core hours to start earlier/later to suit your commitments. The offices are smart, with a real focus on creating a modern and welcoming working environment - so that the office is a fantastic place to be! The role is a comprehensive credit control role, giving ownership of your ledger and end-to-end management of your accounts. Duties will include: Contacting customers by phone/email to proactively chase payment of accounts Relationship building with your customers and internal stakeholders Accurate recording of data Allocation of payments, Investigation of unallocated cash Query resolution Reporting on debt position Working with account managers to manage accounts Working with legal team as required for escalated debt The ideal candidate will have had end-to-end exposure to credit control duties within a transactional finance team. However, if some aspects of the role have not been covered previously, training will be provided and salary will be dependant on level of experience. Experience required: Some hands on credit control experience - minimum 9 months Excellent communication and relationship building skills Confident and professional manner Works well within a small, close-knit team Excellent eye for detail Good use of systems and reporting Highly organised Eye for process improvement Benefits include: 26 days holiday incl birthday , plus bank hols. Ability to buy and sell holidays. Free gym, private healthcare and cashplan. Employee Assistance Scheme, time out to volunteer, plus numerous more perks.