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Credit Risk Manager
2 months ago
{"Risk Management Strategy": "Develop and implement a comprehensive risk management strategy aligned with the business objectives, ensuring the responsible underwriting of loans and safeguarding the financial health of the firm.
Collaborate with various departments to strike a balance between the customer's needs and outcomes, commercial aims and risk mitigation.
Establish and enforce risk policies, procedures, and standards to ensure compliance with regulatory requirements and industry best practices.
Support the business aspirations for asset growth with a balanced approach to asset quality and risk reward.
Ensure that the risks of lending proposals submitted are properly identified, assessed and mitigated appropriately.
Implement and enhance underwriting models, analytics, and decision-making tools to optimise risk-adjusted returns.
Develop and maintain credit risk models to assess the creditworthiness of borrowers.
Establish risk-based pricing strategies to balance profitability with risk exposure.
Collaborate with the credit risk team to monitor portfolio performance and initiate proactive measures to mitigate credit losses.
Be accountable for credit decisions and identify signs of stress to minimise the company's exposure to bad and doubtful debt.
Proactively review and recommend improvements to credit policy.
Develop, build and manage the Organisations' credit risk scorecard.
Refine the credit risk model through the scorecard lifecycle.
Stay abreast of relevant regulatory changes and ensure the lending business is following all applicable laws and regulations.
Conduct stress testing and scenario analysis to assess the resilience of the lending portfolio under various economic conditions.
Develop contingency plans and risk mitigation strategies based on stress test results.
Work collaboratively with other business units such as finance, operations, and technology to integrate effective risk management strategies and controls into business processes.
Provide risk insights and recommendations to support strategic decision-making.
Training of 1st line team and ongoing oversight of competency, including talent development.
Manage lending operations, including application processing, customer onboarding, customer checks, proposal generation, underwriting (including affordability assessments), pay-outs, arrears and forbearance management, and bad debts.
Managing the risk of lending in accordance with the Firm's risk appetite, and the associated frameworks.
Analytical thinker, with deep understanding of credit profiles, experienced in underwriting with the ability to run a team of UW, ability to build and maintain complex credit scorecards.
Ability to run a risk-based pricing model.
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