Credit Risk Manager
1 month ago
It’s an exciting time to join TotalEnergies as we continue to expand the business to become a leading international player in renewable energies. There is a commitment to net zero and an aim to become one of the world’s largest renewable energy companies by the end of this decade.
The rolenCredit Risk Manager – SME is a key role in balancing asset growth with credit quality as part of achieving the group’s financial objectives.
With responsibility for over £1bn annual turnover portfolio, This role manages financial risk exposure related to credit activities including; Management and design of UK Credit Policy to cover all customer credit risk decisions. The team is responsible for 4,000 SME underwriting decisions per month around 550 are manual.
This position has primary responsibility for the financial risk exposure related to extending credit and shared responsibility for the overall credit risk portfolio profile of the entity. The role performs various functions in addressing credit-related issues, including but not limited to risk and underwriting guidelines, credit culture awareness, and credit strategy.
Reporting directly to the Head of Credit Risk and will be managing a team of 2-3 direct reports.
What it’s like to work for usnIt's our people that make TotalEnergies an incredible place to work. You will have the opportunity to be part of a dedicated and passionate Credit Risk team. We will support growth and career development by providing opportunities to learn new skills and to work with a range of experienced professionals across different functions both within the UK and Internationally.
This role will allow someone to take the next step in their career and work for a leading energy supplier. There is a clearly defined career progression path and further education policy in place to support the successful candidate.
Pay and benefits:nSalary: up to £75,000nBonus: Up to 22%nLocation: Redhill, SurreynContract type: PermanentnWorking Pattern: 3 days a week in the office and 2 days at home
Pension Contributions up to 15%nLife AssurancenCompany share schemenAnnual Leave of 28 days, plus bank holidaysnGym MembershipnPrivate Medical Health and Dental CarenRide to Work SchemenEmployee Assistance ProgrammenA positive work-life balance with hybrid working arrangementsnAn inclusive culture in which everyone can express and develop their potentialnThe opportunity to give back to the local community by spending three days a year volunteering
The PersonnAs a Credit Risk Manager – SME, you will have primary responsibility for the financial risk exposure related to extending credit and shared responsibility for the overall credit risk portfolio profile of the entity.
You will have the ability to perform various functions in addressing credit-related issues, including but not limited to risk and underwriting guidelines, credit culture awareness, and credit strategy.
Key Accountabilities
Develop and be accountable for the TEGP SME Credit Risk Strategy, and assure it’s in line with the Group and C-Suite guidance.nEstablish and monitor Credit Risk related policies and procedures to meet TEGP sales and risk goals.nProvide leadership, support and development for the Credit Risk Team Members.nSupport the delivery of strategic initiatives across SME to build scale, reduce manual touchpoints and enhance the controls environment.nExercise Delegated Credit Approval Authority and/or make recommendations to Senior Management.nCollaboration with Collections to enhance data feeds into collections strategy modelnOversight of risk modelling related to bad debt and feeding into decision modelling toolsnContinually strive to improve the Credit Vetting process considering accuracy, speed, quality of service and reporting – oversee system change program across CV, TMS, CRM and Pricing in respect of risk-related activitynDrive the implementation of intelligent automation solutions, such as robotics, to continuously improve efficiency and productivity.nPresentation to Credit Committee
Qualification/Experience required:nDemonstrable experience in credit risk management, including portfolio risk management and risk modeling.nExperience implementing Credit Risk Strategies, Scorecards, and Policy Rules.nExtensive knowledge of Decision Engines and how they work.nWorking knowledge of other automated solutions (implementation and maintenance).nExperience using SQL, VBA, Business Objects, and QlikView
Diversity and InclusionnOne of our values is respect for each other. Creating an inclusive environment in which everyone can express and develop their potential, from the moment they are hired and throughout their career, means ensuring that all our employees have the same opportunity to succeed, regardless of origin, gender, age, disability, sexual orientation, gender identity or affiliation with a political, religious, union, organization or minority group.
This is our vision of diversity, which is an asset for our Group as well as for the individuals who embody it. Preserving and promoting this asset is another part of being a responsible employer.
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