Credit Risk Senior Specialist

4 weeks ago


Glasgow, United Kingdom Adway Associates Full time

Senior Credit Risk Specialist, Secured, Insight and Innovation, leading UK Bank

**Location**: Can be almost 100% remote (with a quarterly on-site team meeting)

**The Role**:
Sitting in the Insight and Innovation Credit Risk team in the secured portfolio this team is responsible for the delivery of portfolio level credit risk insight into credit strategies or portfolio performance. There is also a remit to lead, drive and deliver the development of strategic solutions for digitisation and automation opportunities to support secured growth aspirations from a credit risk perspective. In addition t he team will also own pricing and arrears forecasting inputs to ensure accurate business decisions are taken.

Provide insight to the Risk Management Leadership Team, Risk committees and the wider business as required, including the Commercial, Finance and Customer Experience teams
Analysing credit data, present findings from your analysis, and solving problems by creating solutions from the analysis of data
You will lead and co-ordinate the wider credit risk team to drive forward innovation in credit strategies, insight techniques and wider team goals and culture
As part of the Insight and Innovation team, you will provide portfolio insight, reporting trends, risks, and actions, including impacts of and on Risk Appetite as well as delivering innovation and automation in customer lending journey and processes, searching for new data sources to exploit, leveraging new techniques to drive innovation within the secured credit risk arena
Work collaboratively with Credit Strategy owners, Commercial and Operational colleagues to identify improvements that maintain regulatory compliance, improve efficiency, or provides additional value to the business
Manage the development and delivery of a comprehensive suite of credit risk portfolio insight, oversight, challenge, and opinion for use across a range of stakeholders including Central Committees and Governance reporting
Lead, on behalf of the Credit Risk Managers, the provision of meaningful insight and making recommendations for Senior Management and through representation at relevant meetings and committees
Demonstrate a collaborative approach with Risk Appetite Statement working across other teams in Credit, Risk, and the Commercial areas
Develop and maintain a relationship with the Credit Risk teams at an operational and senior level to ensure that best practice is shared
Support the Credit Risk Manager in operational effectiveness of the team
Demonstrate maintenance of internal Governance frameworks, policies and Regulatory guidelines and ensure this framework is embedded in the business
On behalf of the Credit Risk Manager lead the delivery of internal department culture and processes that drive the right customer outcomes

Strong analytical experience, ideally using SAS (or comparable)
Proven Credit Risk knowledge gained within Financial Services or Banking with practical experience of analytics driving optimisation
An excellent understanding of the analytical techniques, model concepts, data and systems used in credit risk management
Knowledge, experience and understanding of the wider Risk function and insight requirements
Excellent communication skills with the ability to condense and simplify complex information to brief and influence senior stakeholders
Extensive experience in influencing change in a positive and collaborative manner and turn ideas into practical solutions

Proven experience in challenging other teams work through meetings and discussion forums
Proven ability to build strong networks and relationships with internal and external parties

**Additional desirable experience (not essential)**:
Experience of Financial Modelling in an IRB Credit Risk environment
Experience of transformation and innovation in a Secured Credit Risk environment
Understanding of the Legal and Regulatory framework and agenda
Strong understanding of the statistical techniques, data and systems used in credit risk management, including new and emerging technologies

**Remuneration**:
Attractive basic salary
38.5 days annual leave for all colleagues (including bank holidays and pro rata if part-time) plus 5 extra paid well-being days per year
A 35-hour working week
20 weeks paid, gender neutral family leave (52 weeks in total) for expectant parents and those looking to adopt
Market leading Pension
Private Medical Insurance
Flexible benefits including Cycle to Work, Wellness & Health Assessments and Critical Illness
Ability to work anywhere in the UK (where the role allows)



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