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An exciting opportunity has arisen for an experienced credit risk professional to join a growing consumer finance company. This is a key hire for the business, and you will have great exposure to both internal and external stakeholders. Key responsibilities Monitor the credit card receivables portfolio identifying risks, trends, and anomalies, and implement solutions Lead the credit risk team, overseeing the performance of credit risk models Develop and implement credit risk measurement methodologies Present insights to senior stakeholders and manage external relationships with regulators and auditors Work closely with other teams in the business in order to integrate credit risk considerations into business decisions My client is looking for a Credit Risk Manager or a Credit Risk Senior Manager who is looking for progression and is ready to take on a management role. You should have six - eight years' credit risk management experience, coming from a consumer finance background with a solid understanding of credit card products and relevant regulatory requirements. This is a company with ambitious growth plans offering great exposure and flexible hybrid working environment. Please apply now for more information and a full job spec.
Senior Credit Risk Analyst- Nottingham (Hybrid 2 days a week)- £50K- £60K My Client is on the search for a Senior Credit Risk Analyst to be responsible for driving insight on credit risk strategies using varying data approaches; regularly monitoring key trends in the portfolio and the wider market and identifying risks that operate with them; and analysing and presenting reports to stakeholders. This role also supports a variety of risk management activities including credit decisioning and impairment models. As a Senior Analyst you'll have the opportunity to manage and mentor junior team members and work on in-depth project-based analysis. Key Responsibilities: Identify new opportunities to improve credit performance, communicate the benefit to key stakeholders and support implementation and monitoring of new strategies. Evaluate new and current customers creditworthiness to ensure the business continues to lend safely and remains within Risk Appetite. Produce timely and accurate credit risk MI and analysis, communicating any trends or concerns, drawing conclusions, and recommending action. Develop and maintain credit risk models to assess the probability of default, loss given default, and exposure at default. Support advanced model development, regular model insights and out of course analytical insights and investigations. Improve credit risk models, data and processes, by identifying improvements that can be made and recommending potential solutions. Key Requirements: In- depth knowledge of standard and advanced analytical techniques. Knowledge and confidence using SQL, Python, SAS and/or R. Knowledge of a variety of risk management topics such as IFRS9, IRB, Climate risk, and automated credit decisioning. Understanding of Credit Reference Agency data and uses in portfolio monitoring. Awareness of the Regulations including EBA Capital Requirements, Mortgage Credit Directive, FCA Mortgage conduct of business, GDPR and PRA Supervisory Statements. In depth understanding of IFRS 9 accounting standard and impairment modelling. Strong critical thinking, interpretation, and facilitation skills. Excellent problem solving and decision-making skills. If interested, please send your CV to NOTE- This Client cannot provide sponsorship so candidates need to have valid right to work 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.
Credit Risk Commercial Mortgage Secured Lending Senior Manager Credit Risk - 2nd Line Cardiff Role Our Financial Services client has a brand new permanent vacancy for a Senior Manager Credit Risk - 2nd Line to join their expanding team & successfully growing business. The role will assist the Chief Risk Officer in developing and maintaining an effective end-to-end Credit Risk Oversight function for the organisation. This is a hands on role for someone with a thorough understanding of all aspects of credit risk within a secured lending market, ideally with exposure to the commercial mortgage environment. Responsibilities Develop and continuously improve the credit risk analytics including the choice of internal/external data, analytical tools, production of dashboards/outputs Ongoing development of the organisation's credit risk appetite capabilities (limits, monitoring etc) Monitoring Loan Book performance against established Risk Appetite KRI's Development of the Credit Committee reporting/MI Suite Supporting credit risk reporting to Executive Risk Committee, ExCO, Board Risk Committee Providing support to Finance on the credit risk aspects of the Financial Statements and Regulatory reporting Managing and building internal relationships with key functions within the business Supporting stress testing and other analysis with the ICAAP, ILAAP, Recovery Plan Contribute to team training and proactively look to share key learnings and experiences among colleagues Skills Required Knowledge and experience of the specialist bridging market, development finance, commercial mortgages and buy-to-let mortgages Analytical thinker with deep understanding of credit profiles Ability to think critically, be pragmatic, have confidence to challenge, problem solve & find new ways of doing things, including influencing senior leadership A track record of building and managing stakeholder relationships Experience of coaching and developing colleagues in complex credit matters Experience of working in a regulated organisation with a clear understanding of regulatory requirements including Consumer Duty Experience of developing/assessing credit models The role offers a basic salary plus bonus and benefits package Please email your CV to apply for this opportunity