Senior Credit Risk Manager

6 days ago

Cheadle Hulme, Stockport, United Kingdom MERJE Full time
Job Description

Senior Credit Risk Manager

At MERJE, we are seeking an experienced Senior Credit Risk Manager to join our team. As a key member of our risk management department, you will be responsible for the second-line management of credit risk for our business.

Key Responsibilities:

  • Develop and implement credit risk policies and related standards to ensure effective risk management.
  • Provide oversight and assurance to the Executive and Board that credit risk is being managed within risk appetite.
  • Work closely with the Head of Credit Risk to develop credit strategies based on credit scores and cost of risk, integrating new data sources as they are developed.
  • Collaborate with the Manager Credit Risk and first-line team to compare lending approach to peers to identify areas where pockets of credit risk could be developing.
  • Produce credit risk profiles along with in-depth analysis on the credit performance of the loan book for Exec and Board risk committees.
  • Set, via the Board, credit risk appetites; identifying and managing portfolio-level credit risks, key exposures, and concentration risks.
  • Develop affordability and valuation strategies for all products, ensuring we meet all regulatory requirements and manage these risks within appetite.
  • Work with the Financial Risk Manager to ensure climate risks that cause credit risk are within appetite.
  • Provide 2nd-line oversight on the controls for large exposures and other concentration risks through appropriate structures.
  • Horizon scan for emerging credit risks and develop forecasting models, e.g., arrears forecasting.

Requirements:

  • Experience of credit risk management within a secured lender.
  • Experience with analytical software, e.g., SQL, Python.
  • A solid grounding in data analysis using quantitative analytic tools and good research skills.
  • The ability to identify trends and interpret data from multiple sources and investigate anomalies and unusual patterns/activities.
  • Effective problem-solving skills and ability to make recommendations based on findings considering commercial and customer implications.
  • Excellent communication skills to articulate complex issues/analysis to senior management and interact with other teams across the business both orally and in writing.

About MERJE:

MERJE is a leading recruitment agency specializing in financial services and risk management. We are committed to providing exceptional service and expertise to our clients and candidates.

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