Portfolio Credit Risk Manager

4 weeks ago

Wolverhampton, Wolverhampton, United Kingdom OSB Group Full time
About the Role

We are seeking a highly skilled Portfolio Credit Risk Manager to join our Risk function at OSB Group.

This role will be responsible for creating and updating credit risk reporting, portfolio deep dives, segmentation performance reviews, and strategy review.

As a key member of the team, you will carry out regular analysis to support decision-making and policy development across the Underwriting, Collections, and Recoveries teams.

This role includes line management responsibility of at least one Credit Risk Analyst.

The role is based in Wolverhampton, and we operate a hybrid working policy, open to discussions around flexibility.

About Us

OSB Group is a FTSE 250 specialist mortgage lender, primarily focused on carefully selected segments of the mortgage market.

Our specialist lending is supported by our Kent Reliance and Charter Savings Bank retail savings franchises, with diversification of funding provided by sophisticated securitisation platforms.

Our unique cost-efficient operating model is supported by our wholly-owned subsidiary OSBIndia.

Alongside passion for our products and customers, we're passionate about our people and want to continue building a collaborative and engaging environment.

We're dedicated to Diversity, Equity, and Inclusion, encouraging differences and recognising that individuals from diverse backgrounds and experiences can bring valuable insights and enhance the way we work.

Key Responsibilities
  • Updating Senior Management and the Credit Risk Committee with key MI on monthly trends and key performance indicators.
  • Periodic running of critical data processes and the associated control landscape, ensuring compliance to appropriate governance and frameworks.
  • Undertaking Credit Risk Analytical projects, covering the entire Credit Risk Lifecycle and all products and brands, to support the immediate team, wider risk function, and other stakeholders.
  • Ownership for the Group's affordability underwriting tools and valuation indexing procedures, ensuring BAU and ad-hoc updates are completed while remaining compliant with the end-user computing policy.
  • Completion of Regulatory Data requests, ensuring outputs are reconciled/validation against existing reporting.
  • Support Level 2 & 3 Risk Appetite settings and Early Warning Indicators across the Group.
  • Identifying areas for analytical deep dive, defining scope of work, and proposing opportunities through insights.
What We Offer

We offer a base salary dependent on experience between £65,000 and a competitive benefits package, including:

  • Discretionary annual bonus opportunity of up to 15%.
  • 28 days annual leave plus bank holidays.
  • Contributory pension (8% employer, 5% employee).
  • Life Assurance (4x salary) plus Group Income Protection.
  • Access to Private Medical Insurance and Medical Cash Plan.
  • Maternity & Adoption Leave – Occupational Maternity/Adoption Pay provided at 100% of salary for the first 13 weeks and at 50% of salary for the next 13-week period.
  • Paternity Leave – 4 weeks of paid leave to be taken within 8 weeks of childbirth.
  • Additional benefits such as Hybrid working, Cycle Purchase scheme, Technology Purchase scheme, Season Ticket Loan, Holiday purchase/sell schemes, Employee Perk Portals, Payroll giving, and Save as you Earn scheme.
Requirements

We are looking for talented individuals with the following experience and knowledge:

  • Advanced SAS/SQL and Excel/VBA skills are essential skills to produce and manage MI reports, including in-depth analysis and deep dives into any trends.

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