Credit Risk Manager

4 weeks ago

London, Greater London, United Kingdom Tbwa ChiatDay Inc Full time
Job Title: Credit Risk Manager

At Tandem, we're seeking a highly skilled Credit Risk Manager to join our Portfolio Credit Risk team. As a key member of our Risk & Compliance function, you will play a critical role in ensuring the effective management of credit risk across all Tandem lending products.

Key Responsibilities:
  • Support the 2nd line Credit Risk control and governance agenda, including the implementation of the Credit Risk Management Framework across the Bank.
  • Oversee credit risk policies, ensuring they are in-line with relevant regulatory requirements and support adherence to policy, escalating risks / issues as appropriate.
  • Drive Credit Committee agenda, identifying risk / issues relating to credit risk and escalating as necessary.
  • Build analytics to develop credit risk appetite limits and work with the Business to seek approval from credit committee and senior committees.
  • Own implementation of Bank's credit risk assurance plan and conduct regular credit risk assurance reviews, presenting observations and recommendations at credit committee.
  • Monitor progress against credit risk related findings from internal/external audit, 2nd line assurance, model validation etc., working through managing any risks / issues with respect to closure of findings.
  • Detailed technical review of credit performance and credit risk profile of portfolios across the Bank, ensuring credit risk KPIs continue to be in line with agreed credit risk appetite.
  • Review and challenge proposals from the Business (1st line) and provide 2nd line feedback / recommendation/s as part of credit committee governance.
  • Oversight and monitoring of the performance of new originations at appropriate level of granularity, including policy exceptions monitoring.
  • Lead review and challenge of credit risk models used for credit decisioning – to include provisions, affordability and scorecards – and provide 2nd line assessment of identified limitations and recommendations as appropriate.
  • Work with Data team to ensure delivery of Credit Risk data requirements (e.g. for credit committee MI).
  • Collaborate with colleagues across 1st line credit risk, Product, Operations, Finance and other areas of Risk to deliver team goals.
  • Deputise for Senior Credit Risk Manager on all Portfolio Credit Risk matters.
Requirements:
  • Good knowledge of (consumer) credit risk management framework.
  • Good understanding of credit risk appetite, quality assurance and quality control framework.
  • Good understanding of affordability models, manual underwriting, impairment.
  • Proficiency in Microsoft Office including Word, Excel and Power Point.
  • Strong report writing skills, including writing papers (e.g. credit assurance reports) for credit committee and board level consumption.
  • Analytical mindset with the ability to use data to drive decision-making.
What We Offer:
  • 25 days annual leave plus 8 days Bank Holiday.
  • An additional day off for a 'celebration day' including, but not limited to, birthdays, weddings, religious holidays, graduations etc.
  • Buy or sell up to 5 days holiday a year.
  • Healthcare cash plan through Westfield Health worth a minimum of £750 per year.
  • Electric Vehicle salary sacrifice scheme.
  • Cycle to Work salary sacrifice scheme and a free helmet.
  • Salary sacrifice Pension contribution, 4% employee contributions matched with 4% Tandem contribution (*Subject to salary eligibility).
  • Smart Tech scheme (buy goods with 0% interest).
  • 10% discount on solar panels.
  • Tandem Hub for treats, cash back and discounts on UK retailers.
  • 2 days per year paid volunteering.
  • Free cereal, snacks and drinks in all offices.
  • Quarterly team social budgets.
Our Green Deal:
  • Volunteer 2 days a year for charity > receive an early Friday finish.
  • Raise £200 per annum for charity > Tandem provide PR and marketing support.
  • Have renewable energy at home > receive an additional 1 day annual leave.
  • Drive an electric car > receive £500 towards a home charger.

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