Credit Risk Specialist

2 weeks ago

London, United Kingdom BT Full time

Credit Risk Specialist - Acquisition & InLife Controls

**Job Req ID**:25463**Posting Date**:20 Nov 2023**Function**:Risk, Compliance and Assurance**Location**:(BIG BLUE GATE), Beckton, London, United Kingdom**Salary**:Attractive salary & benefits**Recruiter: Carla Ballinger**

**Hiring Manager: Folu Duro-Emanuel**

**Career Grade: D**

**Internal Closing Date: 04/12/2023**

**Locations considered: Birmingham, Bristol, London & Manchester**

**Why this job matters**
Group Business Services (GBS) is part of BT Group that delivers diverse range of business services across the whole of BT. Our vision is to create an organisation that is fully aligned and integrated with the customer facing units.
With a 10,000 people strong workforce, we help drive business growth, enhance profitability, optimise the cost base and provide competitive differentiation. We continue to serve BT’s customers - both external and internal - as efficiently and effectively as possible. Our customers are at the heart of everything we do.
- As the Credit Risk Specialist - Acquisition & InLife Controls, you will provide the framework to implement and monitor various risk controls and processes to ensure the effective management of credit risk with BT.

**What you’ll be doing**
- Control Framework Development: create and enhance the credit risk control framework; work across the AILR teams to ensure consistent management of risk across BT
- Risk Assessments: conduct risk assessments to identify potential areas of credit risk exposure; implement appropriate controls to mitigate those risks
- Model Risk Management: implement an effective model risk management framework. Employ techniques and practices that will identify, measure and mitigate model risks
- Work with the relevant control functions (Financial Services Compliance, Internal Audit, Legal) to ensure we have effective processes in place to identify policy breaches
- Lead the planning & oversight of key regulatory deliverables in relation to the UK consumer credit portfolio; monitor relevant regulatory developments and changes
- Support Credit RIsk in establishing and maintaining credit standards to ensure consistent and prudent evaluation of customers’ creditworthiness and affordability
- Track and monitor deliverables ad provide relevant MI and presentations to allow informed decision making for strategic roadmaps and key initiatives for Credit Risk

**The Experience you’ll need**
- Experience working in a high-volume Consumer and/or SME Credit Risk environment
- Experience working cross-functionally to define and improve credit processes and standards
- Demonstrable experience of regulatory compliance including FCA rules, guidance and handbooks within a credit risk environment
- Experience presenting findings to a varied audience
- Able to use SAS or similar software

**The skills we want to see**
- Credit risk management
- Story-telling with data
- Business Partnering & Consulting
- Stakeholder management
- Problem solving
- Implement effective solutions
- Communication
- Prioritisation
- Collaboration

**Our leadership standards**

**Looking in**:
**Leading inclusively and Safely**
I inspire and build trust through self-awareness, honesty and integrity.
**Owning outcomes**
I take the right decisions that benefit the broader organisation.

**Looking out**:
**Delivering for the customer**
I execute brilliantly on clear priorities that add value to our customers and the wider business.
**Commercially savvy**
I demonstrate strong commercial focus, bringing an external perspective to decision-making.

**Looking to the future**:
**Growth mindset**
I experiment and identify opportunities for growth for both myself and the organisation.
**Building for the future**
I build diverse future-ready teams where all individuals can be at their best.

**About us**
- BT is part of BT Group, along with EE, Openreach, and Plusnet.- Millions of people rely on us every day to help them live their lives, power their businesses, and keep their public services running. We connect friends to family, clients to colleagues, people to possibilities. We keep the wheels of business spinning, and the emergency services responding.- We value diversity and celebrate difference. As Philip Jansen, our CEO, says ‘We embed diversity and inclusion into everything that we do. It’s fundamental to our purpose: we connect for good.’- We all stick to the same values: Personal, Simple, and Brilliant. From day one, you’ll get stuck in to tough challenges, pitch in with ideas, make things happen. But you won’t be alone: we’ll be there with help and support, learning and development.- This is your chance to make a real difference to the world: to be part of the digital transformation of countless lives and businesses. Grab it.**A FEW POINTS TO NOTE**:

- Although these roles are listed as full-time, if you’re a job share partnership, work reduced hours, or any other way of working flexibly, please still g

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