Credit Risk Manager

2 weeks ago


London Area, United Kingdom DigiTech Resourcing Full time

Credit Risk Manager - Permanent Role

Financial Services

London/Remote - 1 day a week in the office

£85,000 to £100,000 per annum + 20% bonus

About the Role: As a Credit Risk Manager specializing in Revolving Lending, you'll play a pivotal role in shaping and executing credit risk strategies for the Credit Cards portfolio. This role encompasses both acquisition and existing customer management, with a focus on driving positive customer and business outcomes. Your responsibilities will include strategy development, implementation, ongoing monitoring, and collaboration with various stakeholders across the organization.


Key Responsibilities:

  • Develop and implement a robust credit risk framework, incorporating risk monitoring and feedback processes to ensure sound decision-making aligned with the Group's risk appetite.
  • Drive optimization of lending decisions through test and learn initiatives, identifying champion strategies for both new acquisitions and existing customers.
  • Explore and integrate new data sources for analysis and decision-making to enhance risk assessment capabilities.
  • Influence stakeholders at all levels of the organization to gain buy-in and support for strategic changes as needed.
  • Support business growth and portfolio profitability by balancing risk, reward, and responsible lending practices while maintaining credit quality and performance.
  • Foster a culture of empowerment and development among colleagues through coaching, mentoring, and knowledge sharing.


Leadership Responsibilities:

  • Set a clear strategic vision for the Revolving Lending team, integrating acquisition decisioning and existing customer management into a cohesive function.
  • Recruit, develop, and coach team members to ensure a high level of capability, skills, and engagement, fostering a high-performing team environment.
  • Define clear objectives to drive individual and team performance aligned with strategic goals.
  • Establish an inclusive culture that promotes diversity and proactive risk management through robust control frameworks.
  • Share resources to support shared goals and higher priority work, demonstrating pragmatism and support for organizational objectives.


What Will Make You Stand Out:

  • Previous experience in Credit Risk, preferably with a focus on Credit Cards across the credit life cycle.
  • Demonstrated ability to manage analytical teams, providing strategic direction, prioritizing activities, and maintaining motivation through coaching and development.
  • Strong numerical skills with the ability to translate analytical insights into actionable business strategies.
  • Excellent communication skills with the ability to convey complex ideas to stakeholders and influence decision-making.
  • Proven problem-solving skills with a knack for identifying innovative solutions and opportunities for improvement.
  • Stay informed about the latest regulatory and macro-economic developments and trends impacting the credit industry.
  • Customer-centric mindset with an understanding of how strategies impact broader customer outcomes.


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