Credit Risk Manager

4 weeks ago

Cardiff, United Kingdom Sonovate Full time

Job title: Credit Risk Manager

Employment type: (12 months Fixed-term contract)

Location: Cardiff / Hybrid


What is Sonovate

Sonovate is a lending and technology business with a clear vision: To be the premier global financing platform for the ‘Future of Work’


We’ve created an end-to-end work pay solution to power the new working world. One that lets businesses unlock the power of flexible working, contract and freelance markets with none of the hard work or complications that come with old-school finance solutions.

We’re leading a revolution and changing how businesses of all shapes and sizes access finance and support to manage their freelance workforce.


The role:

We are looking for a Credit Risk Manager to join the team. This role will protect the value of Sonovate, by mitigating Credit Risk to the business. The role is responsible for the identification, assessment, mitigation, management and reporting of Credit Risk.


What does success look like in this role?


  • Comprehensive analysis of the Credit Risk exposure of Sonovate, with relevant escalation of key information to stakeholders.
  • Processing of credit applications and ensuring appropriate insurance is in place to mitigate risk to Sonovate.
  • Timely decisions made on new business – enabling the rapid agile brand that Sonovate stands for.
  • Consider Credit Risk initiatives that could enhance the risk/reward balance of Credit Risk at Sonovate.


Responsibilities:

  • Analyse relevant client, credit-related information to assess risk and follow defined risk mitigations techniques as defined in Sonovate’s Credit Risk Policy
  • Liaise closely with credit broker in order to ensure more complicated applications are handled in correctly to achieve the best outcome
  • Effective feedback on credit limit requests, progress and issues to stakeholders
  • Ensure appropriate renewal of limits, including tracking of existing limits and timely renewal before expiry
  • Reporting to key stakeholders on credit risk, including but not limited to volumes, applications, changes, uninsured exposures, concerns and trends
  • Assist in the ongoing monitoring and assurance efforts of the function
  • Working with the business to identify and mitigate any credit risk issues, leading to a more robust control environment
  • Assist in maintaining credit risk policies, procedures and monitoring processes
  • Own and administer appropriate documentation storage of credit risk information
  • Identification of process enhancements to assist in the continuous evolution of Sonovate


Experience & Key Skills:

  • A good level of understanding of working in Credit Risk and Financial Services environment
  • Experience in a Financial Services and/or Credit Risk function
  • Experience of working with credit insurance
  • Ability to collaborate and manage own workload
  • Able to communicate effectively at all levels
  • Methodical and structured to managing change
  • Ability to work under pressure
  • Escalates appropriately without delay
  • Take ownership and responsibility for own work
  • Constructive challenge and enhancements of existing processes
  • Numerate qualification desired


What will you get in return?

  • 28 days holiday + bank holidays
  • Private medical insurance with Bupa
  • Employee Assistance Programme
  • Techscheme with Apple and Currys PC World
  • Cyclescheme
  • Working with latest technologies and leading SaaS providers
  • Eye care vouchers with Specsavers
  • 50% discounted gym membership
  • 50% off mobile apps (Calm, Duolingo, Audible, Les Mills)
  • 2 days charity leave per year
  • You’ll work for a company that is passionate about personal development and a strong community focused culture


Sound interesting?

If your answer is ‘yes’ and you want to learn more, check out our Values Playbook and Behaviours deck here.


We know that diverse teams are strong teams. We promote a diverse, inclusive and empowering culture and are committed to recruiting, retaining and developing all our employees.


Please note: All successful applicants who are offered a role at Sonovate will be required to pass background screening checks before starting with us. These checks will include National ID Checks, Right to Work, Employment References, Adverse Financial History, Criminal Record, Global Sanctions, Bankruptcy checks. Our Talent Acquisition team will be able to run you through these in detail at the early stage of your application.

  • Credit Risk Manager

    3 weeks ago

    Cardiff, United Kingdom Sonovate Full time

    Job title: Credit Risk Manager Location: Cardiff / Hybrid What is SonovateSonovate is a lending and technology business with a clear vision: To be the premier global financing platform for the ‘Future of Work’We’ve created an end-to-end work pay solution to power the new working world. One that lets businesses unlock the power of flexible working,...

  • Credit Risk Manager

    2 weeks ago

    Cardiff, United Kingdom Sonovate Full time

    Job title: Credit Risk Manager Location: Cardiff / Hybrid What is Sonovate Sonovate is a lending and technology business with a clear vision: To be the premier global financing platform for the ‘Future of Work’ We’ve created an end-to-end work pay solution to power the new working world. One that lets businesses unlock the power of flexible...

  • Credit Risk Manager

    3 weeks ago

    Cardiff, United Kingdom Sonovate Full time

    Job title: Credit Risk Manager Location: Cardiff / Hybrid What is Sonovate Sonovate is a lending and technology business with a clear vision: To be the premier global financing platform for the ‘Future of Work’ We’ve created an end-to-end work pay solution to power the new working world. One that lets businesses unlock the power of flexible...

  • Credit Risk Manager

    2 weeks ago

    Cardiff, United Kingdom Sonovate Full time

    Job title: Credit Risk Manager Location: Cardiff / Hybrid What is Sonovate Sonovate is a lending and technology business with a clear vision: To be the premier global financing platform for the ‘Future of Work’ We’ve created an end-to-end work pay solution to power the new working world. One that lets businesses unlock the power of flexible...

  • Credit Risk Manager

    3 weeks ago

    Cardiff, United Kingdom Sonovate Full time

    Job title: Credit Risk Manager Location: Cardiff / Hybrid What is SonovateSonovate is a lending and technology business with a clear vision: To be the premier global financing platform for the ‘Future of Work’We’ve created an end-to-end work pay solution to power the new working world. One that lets businesses unlock the power of flexible working,...

  • Credit Risk Manager

    6 days ago

    Cardiff, United Kingdom Sonovate Full time

    Job title: Credit Risk Manager Location: Cardiff / Hybrid Please double check you have the right level of experience and qualifications by reading the full overview of this opportunity below.What is SonovateSonovate is a lending and technology business with a clear vision: To be the premier global financing platform for the ‘Future of Work’We’ve...

  • Credit Risk Manager

    1 month ago

    Cardiff, Wales, Wales, United Kingdom Sonovate Full time

    Job title: Credit Risk Manager Employment type: (12 months Fixed-term contract)Location: Cardiff / Hybrid What is SonovateSonovate is a lending and technology business with a clear vision: To be the premier global financing platform for the ‘Future of Work’We’ve created an end-to-end work pay solution to power the new working world. One that lets...

  • Credit Risk Manager

    4 weeks ago

    Cardiff County, United Kingdom Sonovate Full time

    Job title: Credit Risk Manager Employment type: (12 months Fixed-term contract)Location: Cardiff / Hybrid What is SonovateSonovate is a lending and technology business with a clear vision: To be the premier global financing platform for the ‘Future of Work’We’ve created an end-to-end work pay solution to power the new working world. One that lets...

  • Credit Risk Manager

    4 weeks ago

    Cardiff, Wales, Wales, United Kingdom Sonovate Full time

    Job title: Credit Risk Manager Location: Cardiff / Hybrid What is SonovateSonovate is a lending and technology business with a clear vision: To be the premier global financing platform for the ‘Future of Work’We’ve created an end-to-end work pay solution to power the new working world. One that lets businesses unlock the power of flexible working,...

  • Credit Risk Manager

    4 weeks ago

    Cardiff County, United Kingdom Sonovate Full time

    Job title: Credit Risk Manager Location: Cardiff / Hybrid What is SonovateSonovate is a lending and technology business with a clear vision: To be the premier global financing platform for the ‘Future of Work’We’ve created an end-to-end work pay solution to power the new working world. One that lets businesses unlock the power of flexible working,...

  • Credit Risk Manager

    3 months ago

    Cardiff, United Kingdom Admiral Insurance Plc Full time

    A vacancy has arisen within Admiral Money for a Credit Risk Managerwithin the Mortgages team, reporting directly to the Head of Credit Risk & Pricing. About Admiral Money Admiral Money is an exciting, new division of Admiral Group. We have the freedom and innovation of a small start up with the security of a large parent company, Admiral.  We’re...

  • Credit Risk Manager

    2 weeks ago

    Cardiff, United Kingdom Sonovate Full time

    Credit Risk Manager Employment type: (12 months Fixed-term contract) Location: Cardiff / Hybrid Sonovate is a lending and technology business with a clear vision: To be the premier global financing platform for the ‘Future of Work’ One that lets businesses unlock the power of flexible working, contract and freelance markets with none of the hard...

  • Credit Risk Manager

    2 weeks ago

    Cardiff, United Kingdom Sonovate Full time

    Credit Risk Manager Employment type: (12 months Fixed-term contract) Location: Cardiff / Hybrid Sonovate is a lending and technology business with a clear vision: To be the premier global financing platform for the ‘Future of Work’ One that lets businesses unlock the power of flexible working, contract and freelance markets with none of the hard...

  • Senior Credit Risk Manager

    2 weeks ago

    Cardiff, Cardiff, United Kingdom Admiral Insurance Plc Full time

    Admiral Insurance Plc, a leading insurance company, is seeking a Senior Credit Risk Analyst to join their team. This role involves leading credit risk and pricing analytics for their motor lending product. The successful candidate will be responsible for building credit risk and pricing models, monitoring portfolio performance, and refining credit...

  • Risk Management Specialist

    7 days ago

    Cardiff, Cardiff, United Kingdom LexisNexis Risk Solutions Full time

    LexisNexis Risk Solutions is the essential partner in the assessment of risk.Within our Business Services vertical, we offer a multitude of solutions focused on helping businesses of all sizes drive higher revenue growth, maximize operational efficiencies, and improve customer experience.Our solutions help our customers solve difficult problems in the areas...

  • Credit Risk Manager

    1 day ago

    Cardiff, Cardiff, United Kingdom Admiral Insurance Plc Full time

    About Admiral Insurance PlcAdmiral Insurance Plc is a leading insurance company that has recently launched a new division, Admiral Money. This exciting new venture offers a unique opportunity for individuals to join a dynamic team and contribute to the growth and success of the company.The RoleThis is a challenging and rewarding role that requires a high...

  • Credit Risk Manager

    24 hours ago

    Cardiff, Cardiff, United Kingdom Admiral Insurance Plc Full time

    About Admiral Insurance PlcAdmiral Insurance Plc is a leading insurance company that has recently launched a new division, Admiral Money. This exciting new venture offers a unique opportunity for individuals to join a dynamic team and contribute to the growth and success of the company.The RoleThis is a challenging and rewarding role that requires a high...

  • Credit Risk Oversight Officer

    3 months ago

    Cardiff, United Kingdom Julian Hodge Bank Full time

    **Do you want to be part of a **force** for good, helping to make life better for customers & society in the moments that matter?** At Hodge, we put people at the heart of our business and that means our customers, colleagues and communities. Hodge is a Welsh financial service provider that focus on commercial lending, and specialist residential mortgage...

  • Credit Risk Manager in Cardiff

    1 month ago

    Cardiff, Cardiff, United Kingdom Admiral Full time

    About The Job: A vacancy has arisen within Admiral Money for a Credit Risk Manager within the Mortgages team, reporting directly to the Head of Credit Risk & Pricing. About Admiral Money: Admiral Money is an exciting, new division of Admiral Group. We have the freedom and innovation of a small start up with the security of a large parent company, Admiral. ...

  • Credit Risk Manager in Cardiff

    1 month ago

    Cardiff, United Kingdom Admiral Full time

    About The Job: A vacancy has arisen within Admiral Money for a Credit Risk Manager within the Mortgages team, reporting directly to the Head of Credit Risk & Pricing. About Admiral Money: Admiral Money is an exciting, new division of Admiral Group. We have the freedom and innovation of a small start up with the...