Credit & Operational Risk Officer
1 month ago
Job Description
About Ethos
Ethos was founded on the belief that customers should not be forced to choose between their financial wellbeing and their values or beliefs. We aspire to becoming the leading ethical and Shariah compliant bank in the UK.
Our aim is to deliver truly innovative banking solutions that are Islamic, ethical, and fair at every step of life’s journey – meaning our customers can live their lives to the full, without compromise.
We have started our journey to secure a banking licence so that we can offer our future customers competitive home purchase plans underpinned by our state-of-the-art digital platform that simplifies the home buying process, while ensuring customer who save with us can be assured their savings will be used to fund ethically and socially conscious initiative.
About the role
Our Risk team sits at the very core of Ethos working across functions and products to monitor front-line performance and ensure that the business is on a safe footing.
We are looking for a Credit & Operational Risk Officer to support the development of our Bank through its Authorisation with Restrictions (AWR) phase into becoming a fully licensed bank.Initially, the role will work closely with other risk/compliance professionals to help support the establishment of policies, procedures, and systems to manage credit and operational risk. The person in this role will be a key player in the Risk team, operating as the backbone of credit risk management.
The Board of Ethos Bank has ultimate responsibility for Risk Management, and on a day-to-day basis risk is managed through our three lines of defence model.Ultimately this ensures all staff are accountable for Risk Management and builds a strong risk culture that is supported by a robust governance structure.
What You’ll be Doing
- Helping to develop the credit and operational risk frameworks across the bank.
- Supporting the design, implementation and maintenance of adequate credit and operational risk policies and procedures.
- Working with others to develop our approach to credit lending, and ensuring we lend responsibly and comply to regulatory requirements.
- Help design credit and operational risk dashboards that capture performance and key trends.
- Supporting and driving positive customer outcomes (Consumer Duty), identifying opportunities for automation and optimisation.
- Working closely with product squads to ensure that credit and operational risks are being identified and managed.
- Helping to draft relevant management information to allow senior management and the Board to monitor how well credit and operational risks are being managed.
- Supporting and influencing positive customer outcomes (Consumer Duty), helping to minimise the risk of consumer harm.
- Supporting other colleagues in the 2nd line risk team as needed.
- Supporting in the identification of potential suppliers of risk management systems and services e.g. ERM / GRC.
- Contribute to delivering the Mobilisation Plan activities as they relate to Credit and Operational Risk.
What You’ll Need
- Experience in credit risk management within a banking or financial services setting.
- An understanding of customer onboarding and Open Banking.
- Good awareness of data protection and data privacy requirements.
- To be organised and have a methodological approach, with experience of working within a matrix organisation.
- Good communication and interpersonal skills, navigating autonomously and prioritisation.
- An analytical mind with an eye for detail.
- Adaptable and willing to support on other 2nd line of defence risk initiatives when needed.
- Ability to work with other departments of our company especially with the operational teams.
- Experience in working as part of a team to achieve team objectives and goals.
- Comfortable building relationships with a variety of stakeholders.
- Experience of working in credit and operational risk roles in financial services.
Nice to have
- An understanding of what it takes to be a Shariah compliant bank in the UK.
- Experience of risk management within a 1LOD, 2LOD or 3LOD role.
- An awareness of Lean and Agile working methods.
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