Senior Credit Risk Manager

2 months ago

Salford, Salford, United Kingdom TalkTalk Telecom Full time
Job Description

Role Summary

We are seeking a highly skilled Senior Credit Risk Analyst to join our team at TalkTalk Telecom. As a key member of our credit risk management team, you will play a pivotal role in shaping our credit risk acquisition and in-life strategy.

Key Responsibilities

  • Develop and maintain credit risk scorecards in line with product and package offerings, ensuring accurate and timely decision-making.
  • Build and maintain relationships with key stakeholders across the business, including commercial and trading teams, to ensure a cohesive approach to risk management.
  • Support the development of a wider Debt & Fraud predictive model to increase effectiveness in end-to-end strategy, including collections, debt sale, and credit risk management.
  • Manage a small team of credit underwriters, delivering effective decisioning on non-automated credit risk decisions.
  • Credit Risk Analysis
    • Responsible for the continuous development of credit risk acquisition and in-life strategy, ensuring alignment with business objectives.
    • Support commercial and trading teams by delivering data-driven guidance on the financial risk of propositions and executing commercial decisions within credit risk policy.
    • Manage credit bureau partners, ensuring new products and data opportunities are assessed and integrated subject to business value.
    • Ensure acquisition and in-life credit risk scorecards are continuously and accurately updated with changing product and package offerings, enabling detailed reporting on product/package performance.
    • Identify and develop ways the credit risk insight can support the continuous improvement of our cost-effective debt recovery strategy.
    • Manage external data stakeholders and suppliers to improve modelling capabilities and measure the performance of existing models vs expectation.
    • Provide detailed requirements into projects impacting credit risk, ensuring changes are delivered while protecting the business from financial risk.
    • Provide analysis on acquisition credit strategy and operational processes and use it to build models to improve the effectiveness of the company's customer management processes and provide practical considered improvements.
    • Own the company's Credit Acquisition scorecard and ensure regular assessment of predictive power and utilisation of internal and external data sources (bureau characteristics) to improve our decision and debt risk strategy.
    • Support the delivery of agreed changes to strategy, working with change teams to ensure adjustments to our strategy are fully delivered and measured.
    • Build relationships with key stakeholders across the business (Finance, Change, Trading, etc.) to ensure clarity of process, clear and tangible objectives, and a cohesive approach to risk.
    • Produce and develop analysis in line with the business requirements, with regard to consumer acquisitions, debt, churn, and related operational performance.
    • Support the build of a wider Debt & Fraud predictive model to increase effectiveness in E2E strategy (including collections, DCA, Debt Sale).
    • Work cooperatively with the Finance teams in regards to OPEX, Budgets, churn, and cash forecasting.
    • Provide statistical information/data to the PM teams to assess reporting and operational needs for strategic projects.
    • Support/Deliver insight to credit bureau(s).
    • Complete all work to audit level standards including process flow, procedures, and development documentation of all reports and analysis undertaken.

Requirements

  • Strong analytical and problem-solving skills, with the ability to interpret complex data and develop actionable insights.
  • Excellent communication and interpersonal skills, with the ability to build and maintain relationships with key stakeholders.
  • Proven experience in credit risk management, with a strong understanding of credit risk acquisition and in-life strategy.
  • Ability to work collaboratively as part of a team, with a strong focus on delivering results and meeting deadlines.
  • Strong technical skills, with proficiency in data analysis and modelling tools.

What We Offer

As a Senior Credit Risk Analyst at TalkTalk Telecom, you will have the opportunity to work with a dynamic and innovative team, driving business growth and success through effective credit risk management. We offer a competitive salary and benefits package, as well as opportunities for professional development and career advancement.

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