Portfolio Credit Risk Manager

1 month 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. As a key member of our team, you will be responsible for creating and updating credit risk reporting, portfolio deep dives, segmentation performance reviews, and strategy review. You will also carry out regular analysis to support decision-making and policy development across the Underwriting, Collections, and Recoveries teams.

Key Responsibilities
  • Develop and maintain credit risk reporting, including monthly trends and key performance indicators, for Senior Management and the Credit Risk Committee.
  • Run critical data processes and associated control landscapes, ensuring compliance with governance and frameworks.
  • Undertake 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.
  • Own and manage 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.
  • Complete regulatory data requests, ensuring outputs are reconciled and validated against existing reporting.
  • Support Level 2 & 3 Risk Appetite settings and Early Warning Indicators across the Group.
  • Identify areas for analytical deep dive, define scope of work, and propose opportunities through insights.
Requirements
  • Advanced SAS/SQL and Excel/VBA skills are essential for producing and managing MI reports, including in-depth analysis and deep dives into trends.
  • Mathematical-related qualification or equivalent work experience.
  • Previous experience in a Retail/Consumer Finance Credit Risk Function with specialist knowledge of the credit risk lifecycle.
  • Experience within Financial Services and an in-depth understanding of credit risk analytical techniques.
  • Strong stakeholder management and communication skills, with the ability to disseminate information.
  • Understanding of mortgage lending is desirable.
  • Previous line management/coaching experience is desirable.
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. Diversification of funding is provided by sophisticated securitisation platforms. OSB's unique cost-efficient operating model is supported by our wholly-owned subsidiary OSBIndia.

What We Offer
  • Base salary dependent on experience between c£65,000.
  • Competitive benefits package, including discretionary annual bonus opportunity of up to 15%, 28 days annual leave plus bank holidays, contributory pension, life assurance, group income protection, access to private medical insurance and medical cash plan, maternity and adoption leave, paternity leave, and 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.
How to Apply

If you are a talented individual with the experience and knowledge set out above, please apply now. For internal applications, please visit the internal careers page to apply. Alternatively, if you wish to have an informal and confidential chat, please get in touch. Contact details can be found on our careers page. We operate a personalised recruitment process, and interviews are a two-way street, aiming to be relevant and conversational to get the best out of you

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