Credit Risk Director
2 months ago
About the Role
We are seeking a highly skilled and experienced Head of Credit Risk to join our team at Together. As a key member of our leadership team, you will be responsible for the second line management of credit risk for the group.
Key Responsibilities
- Oversee, challenge and assure the first line credit risk management and reporting for credit risk across all products.
- Own and develop credit risk policies and related standards for all group lending products, ensuring appropriate governance of changes and evidence of key controls.
- Produce credit risk profiles for Exec and Board risk committees, working with first line to ensure all material credit risks have been identified and mitigation actions have been defined and progressed.
- Use your knowledge of the industry and the macroeconomic environment to identify emerging credit risks for the business and develop forecasting models.
- Set, via the Board, credit risk appetites; identifying and managing portfolio level credit risks, key exposures and concentration risks.
Requirements
- Strong understanding of risk management principles across the credit lifecycle, credit analysis and policies.
- Experience of implementing, scoring and advanced data and analytical techniques throughout the customer journey.
- Experience of secured lending, particularly specialist mortgage lending.
- Experience of managing and developing high performance teams.
- Confidential and influential communicator to Board Level.
About Together
We are a market leading property finance expert with an entrepreneurial spirit. We pride ourselves on our common-sense approach to lending and offer a range of mortgage and secured loan products to individuals and businesses who are typically underserved by mainstream lenders.
What We Offer
- 26 days holiday, and a day off for your birthday (increasing with service to 30 days), plus bank holidays.
- Buy & sell holidays.
- Discretionary annual bonus.
- Matched pension contribution.
- Life assurance.
- Critical illness cover.
- Health cash plan.
- Private medical insurance.
- Free access to company holiday homes.
- Travel season ticket loans.
- Ride to work scheme.
- Free local gym access.
- Local bar / restaurant discounts.
Our Values
We value diversity and inclusion, and are proud to be an equal opportunity workplace. We welcome difference, celebrate it, support it and really value our colleagues for who they are. We are committed to building a team that represents a variety of backgrounds, perspectives and skills.
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