Credit Risk Management Specialist

21 hours ago


Leatherhead, Surrey, United Kingdom Premium Credit Ltd Full time
About Us

Premium Credit Ltd is a sector-leading company providing insurance premium finance and annually charged services in the UK and Ireland. Our commitment to Diversity, Equality and Inclusion sets us apart from other employers.

Salary Range

We are offering a salary of £65,000-£85,000 per annum, dependent on experience, plus a range of benefits and opportunities for career advancement.

Job Summary

The Portfolio Credit Risk Manager will play a critical role in our company's continued growth and success by developing and implementing effective credit risk management strategies. This includes monitoring and reporting loan book performance, providing portfolio analysis and modelling, and supporting the Credit Director in developing and maintaining credit risk models.

Key Accountabilities
  1. Credit Risk Monitoring: Develop and maintain effective monitoring and reporting of credit risk, track and report loan book performance and key credit risk metrics, provide portfolio analysis and modelling.
  2. Credit Risk Modelling: Collaborate with the Credit Director to develop and maintain credit risk models to inform decisions, manage and monitor credit quality and credit performance.
  3. Decision Support: Provide credit insights and real-time advice to the Credit Director and Exco to enhance underwriting and credit risk management, develop and manage decision strategies and KPIs to maintain the portfolio within agreed risk appetite levels.
  4. Market Intelligence: Conduct market research to understand the influences impacting the portfolio, recommending actions as necessary.
Requirements

To succeed in this role, you will require:

  • Advanced analytical and presentation skills
  • Experience in developing and managing credit risk management information
  • The ability to deliver actionable insights, root cause analysis and solutions
  • Experience in managing and developing credit risk rating and provisioning models
  • Awareness of banking systems and databases and the ability to interact with them via data visualisation and modelling tools
What We Offer

We provide a comprehensive package, including:

  • Competitive salary
  • A workplace pension scheme
  • Flexible working arrangements, with regular collaborative days in our Leatherhead office
  • Annual leave entitlement, with options to purchase and sell additional days
  • Private health and dental insurance
  • Ongoing professional development and support
  • Access to employee assistance programmes and mental health first aiders


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